Private account plus

The private account with additional advantages

The private account plus offers you even greater flexibility and convenience in addition to the advantages of the PostFinance private account, such as free international cash withdrawals and a flexible number of private accounts in CHF, EUR or a foreign currency.

Private account plus: for greater flexibility

  • Free cash withdrawals in Switzerland and abroad

  • 50% lower issuing commission on funds from PostFinance

  • Free account management from CHF 25,000 in investment assets

  • Flexible number of private accounts in CHF, EUR or a foreign currency

  • Free PostFinance Card 

     
  • Ideal as a salary account

    • The private account plus comprises all accounts maintained under the same customer name or the same customer number
    • Available as an individual or partner account
    • Unlimited withdrawal options
    • Monthly account statement
    • Annual account statement with interest statement
  • Account management & withdrawals for the private account plus

    Account management
    Free account management from CHF 25,000 in investment assets or with a capital-growth life insurance plan or mortgage – otherwise CHF 5/month from CHF 25,000 in customer assets, or CHF 12/month for assets up to CHF 25,000.
    Investment assets include:
    • Fund investments (incl. retirement funds within the scope of pillar 3a and vested benefits at PostFinance)
    • Custody account assets in e-trading (excluding cash).
    PostFinance Card
    Free of charge
    Make cashless payments in Switzerland and in online shops
    Free of charge
    Cash withdrawals at Postomats, post offices, Migros, Manor, Spar, SBB counters, Coop Pronto shops and Denner
    Free of charge
    Cash withdrawals at ATMs

    Free of charge

    Cash withdrawals at ATMs abroad

    Free of charge

    Excluding third-party fees

    Electronic account statements, payment and standing orders
    Free of charge
    Paper monthly account statement
    CHF 1/month
    Customers domiciled abroad
    CHF 25/month per account, irrespective of the amount of assets

    Current interest rates

    Interest
    0.00%
    Debit interest on negative balances
    9.50%
  • Whether you close your current bank account or want to pay your salary into your private account, we’ll be happy to help. 

    Close your current bank account

    You can close your current bank account with the following cancellation letter.

    1. Please fill in at least the first page
    2. Sign the form
    3. Send it to your current bank

    Have your salary paid into your private account plus

    You can use the following transfer form to have your salary credited to your private account.

    1. Complete the form
    2. Sign the form
    3. Send the form to: PostFinance Ltd, Account Services Region Berne, Engehaldenstrasse 37, 3040 Berne
  • Where can I withdraw cash at Migros and Manor?

    Cash withdrawals are possible at the Customer Service checkout.

    What is the private account plus overdraft limit?

    The account must not be overdrawn. For customers who pass a creditworthiness check and receive regular credits, PostFinance may grant an overdraft limit of CHF 1,000, which can be changed upon request at any time.

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