Savings account in CHF and EUR

The secure and flexible alternative to your piggy bank
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The savings accounts in CHF and EUR from PostFinance are ideal for saving money securely and flexibly. Whether it’s for your future plans, your holidays or a long-held dream.

Savings account in CHF and EUR: the ideal complement to your private account

  • Available in CHF and EUR

  • Save money securely and flexibly

  • Ideal complement to your private account

  • Management in e-finance

    • An account card for the savings account is available on request
    • Quarterly account statement on paper
    • Annual interest statement on paper 
    • Can be managed as an individual or partner account

  • Current interest rates for private customers from 20 years of age

    Currency Interest Interest limit
    CurrencyCHF
    		 Interest0.05%
    		 Interest limitCHF 250'000
    CurrencyEUR
    		 Interest0.05%
    		 Interest limitEUR 200'000

    Assets above the interest limit earn interest at the rate applicable to the private account.

    Current interest rates for young people up to the age of 20

    Currency Interest Interest limit
    CurrencyCHF
    		 Interest0.55%
    		 Interest limitCHF  25'000
    CurrencyEUR
    		 Interest0.55%
    		 Interest limitEUR  15'000

    Assets above the interest limit earn interest at the rate applicable to the youth or student account.

    Withdrawal conditions

    Number of free withdrawals/payment slips
    • 10 withdrawals per customer and calendar year (partner accounts count as one customer)
    • CHF 8 for each additional withdrawal
    Amount not subject to notice
    • CHF 100,000 per customer and calendar year (partner accounts count as one customer)
    • 3 months’ notice period for larger amounts
    • Withdrawal notices are valid for 30 days beyond the notice deadline. No written notice is required for transfer to PostFinance services (with the exception of PostFinance private account withdrawals).
    If the notice period is not observed
    		 Charge of 1% of the amount exceeding the limit is charged at end of year or when the account is closed

    Cash withdrawal with your PostFinance account card

    PostFinance account card
    		 CHF and EUR: free of charge
    Cash withdrawals at Postomats
    		 CHF and EUR: free of charge
    Cash withdrawals at post office counters 

    CHF: free of charge

    EUR: 1% of the withdrawal amount 

  • Whether you want to close your current bank account or redistribute your assets, we’ll be happy to help. 

    Want to close your current bank account?

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

  • How is the interest rate for a savings account calculated and when is it applied?

    The interest limit applies to all savings and e-savings accounts maintained under the same partner number.

    How can I make payments for a savings account?

    Payments for your savings account and e-savings account can be made using e-finance. For the savings account, payment orders can also be made on paper. Please note the withdrawal conditions. 

    What are the limits with the account card for the savings account?

    Withdrawal limits
    		 Account card in CHF
    		 Account card in EUR
    Withdrawal limitsCash withdrawals at Postomats
    		 Account card in CHFCHF 1,000/day
    		 Account card in EUREUR 700/day
    Withdrawal limitsMonthly limit per card
    		 Account card in CHFCHF 5,000
    		 Account card in EUREUR 4,000
    Withdrawal limitsMonthly limit per card (relevant only if several account cards belong to the same account) 
    		 Account card in CHFCHF 5,000
    		 Account card in EUREUR 4,000
    Withdrawal limitsWithdrawals at post offices
    		 Account card in CHFWithin the limit of available account funds  
    		 Account card in EURWithin the limit of available account funds   

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