PostFinance Card in CHF

Shop online and in stores anywhere with the debit card

The PostFinance Card is your free card for your private account in CHF. Thanks to the combination with Debit Mastercard®, you can shop or withdraw cash with ease worldwide.

PostFinance Card: convenient shopping and cash withdrawals

  • Free cash withdrawal: at Postomats, in post offices, at Migros, at Coop Pronto Shops and at Denner

  • Make contactless payments in store and online worldwide thanks to the combination with Debit Mastercard

  • Withdraw cash worldwide at ATMs

  • Precondition

    You must have a PostFinance private account to obtain a PostFinance Card in CHF.

    Make payments in shops

    You can pay with your PostFinance Card wherever the PostFinance or Mastercard logo is displayed.

    When making your first contactless payment, a transaction using your PIN is required.

    Make payments in online shops

    Pay conveniently in online shops with your PostFinance Card. Where this isn’t an option, choose “Mastercard”, and you can still pay with your PostFinance Card – anywhere in the world.

    Make payments via Mastercard – how to proceed

    In the online shop, select the “Mastercard” option and follow the instructions. In most cases, you will have to enter the following data from your card (additional checks are at the merchant’s discretion):

    • Card number
    • Card expiry date
    • Card verification number

    Pay securely in online shops

    Pay securely with your PostFinance Card. If you make the payment with Mastercard, the globally accepted 3-D Secure procedure is used. You can activate 3-D Secure in e-finance or in the PostFinance App. You must have a Swiss mobile phone number.

    Make contactless payments

    With the contactless function, you can pay sums of up CHF 100 with the PostFinance Card without needing to enter a PIN. The limit is CHF 80 for purchases processed with the Debit Mastercard. Simply hold your card against the payment terminal, and your purchase is complete. For amounts above the limit, you will also need to enter your PIN.

    Apple Pay mobile payment solution

    Make safe, fast mobile payments. You can add your PostFinance Card to Apple Pay and pay quickly and securely with your smartphone.

    Cash withdrawals in Switzerland

    With the PostFinance Card, you can make free cash withdrawals at Postomats, in post offices, at Migros customer service, at Coop Pronto Shops and at Denner.

    Cash withdrawals at ATMs in Switzerland are free of charge with the SmartPlus, SmartYoung or SmartStudents banking package. It costs CHF 2 to withdraw Swiss francs with the Smart banking package. Withdrawal of euros costs CHF 5. Since 13 December 2022, cash withdrawals at ATMs have only been available with the PostFinance Card combined with Debit Mastercard.

    Cash withdrawals abroad

    Please note the information on withdrawing money at ATMs in the Mastercard networks. The information does not originate from PostFinance and no responsibility is accepted for its accuracy. Since 11 september 2023, cash withdrawals abroad have only been available with the PostFinance Card combined with Debit Mastercard.

    Card security with geoblocking

    Activate geoblocking to restrict cash withdrawals made with the PostFinance Card to specific geographical areas abroad.

  • WithdrawalsIn CHF
    Withdrawals
    Cash withdrawals per day
    In CHF
    CHF 1,000
    Withdrawals
    Goods purchases per day
    In CHF
    CHF 3,000
    Withdrawals
    Monthly limit per card
    In CHF
    CHF 5,000
    Withdrawals
    Monthly limit per account
    In CHF
    CHF 5,000
    Withdrawals
    Withdrawals at post offices
    In CHF
    Account balance in terms of cash holdings

    Set withdrawal limits

    You can set the withdrawal limits yourself in e-finance, in the PostFinance App or by telephone.

    Other limits

    • ATMs: Maximum withdrawal amount depends on the terminal. Amounts that exceed the terminal limit can be withdrawn in several instalments. Any applicable fees are charged for each withdrawal.
    • Filling stations: At unattended petrol stations, the card transaction takes place before you fill your tank, i.e. the amount is not yet known. At such petrol stations, a standard amount of CHF 150 is therefore reserved on the account. On receipt of the actual amount, the reserved amount is deleted and the actual amount debited.
    • The PostFinance Card may only be used for recurring payments online up to a specified monthly limit: CHF 1,500 or EUR 1,300 per month.
    • The PostFinance Card may only be used for one-off payments online up to a specified monthly limit: CHF 500 or EUR 350 per month.
    • Payments with the PostFinance Card via the Migros app can only be made up to a limit of CHF 1500 each month.
    • Post offices: Please note amount limits applicable at the The link will open in a new window location selected.
  • The PostFinance Card in CHF is free of charge.

    Cash withdrawals

    Place of useCost of cash withdrawals
    Place of use
    Postomat
    Cost of cash withdrawals
    Free of charge
    Place of use
    Post office counter
    Cost of cash withdrawals
    Free of charge
    Place of use
    Migros and Manor customer service desks, Coop Pronto shops and Denner
    Cost of cash withdrawals

    Free of charge

    Place of use
    ATMs in Switzerland
    Cost of cash withdrawals

    Smart banking package:
    CHF 2 for withdrawals in Swiss francs
    CHF 5 for withdrawals in euro

    SmartPlus, SmartStudents and SmartYoung banking packages: free of charge

    Place of use
    ATMs abroad
    Cost of cash withdrawals

    Smart banking package: CHF 5 
    SmartPlus, SmartStudents and SmartYoung banking packages: free of charge 

    Place of use
    Purchase of goods/services
    Cost of cash withdrawals

    A processing fee of 1.5% applies on purchases made abroad (goods or services bought in shops and online incl. online shops of foreign retailers).

    This also includes recurring services (e.g. music subscriptions) from online shops that are processed abroad.

    Card blocking and card replacement

    Card blocking

    Via hotline/customer advisor
    Via e-finance/PostFinance App

     

    CHF 20 per report
    Free of charge

    Card replacement

    Via hotline/customer advisor
    Via e-finance/PostFinance App

     

    CHF 40 per card
    CHF 25 per card

    • PostFinance Card with Debit Mastercard:

      • Account debited directly
      • Apple Pay mobile payment solution

      PostFinance credit card:

      • Bonus programme (cashback on sales turnover)
      • Car rental discount with AVIS
      • Financial flexibility (monthly invoice, partial payment possible)
      • Reservation guarantee: debit cards are often not accepted when booking accommodation, rental cars or flights. But a credit card guarantees the reservation.
      • Mobile payments with: Apple Pay, Samsung Pay, Google Pay, Garmin Pay, Fitbit Pay or SwatchPAY!
      • Value added services depending on credit card: travel insurance, VIP and concierge service, Priority Pass with airport lounge access
    • The maximum amount for cash withdrawals depends on the terminal. Amounts that exceed the terminal limit can be withdrawn in several instalments. Any applicable fees are charged for each withdrawal.
    • At unattended petrol stations, the card transaction takes place before you fill your tank, i.e. the amount is not yet known. At such petrol stations, a standard amount of CHF 150 is therefore reserved on the account. On receipt of the actual amount, the reserved amount is deleted and the actual amount debited.
    • For amounts up to CHF 500 or EUR 350 per month, the card and ID number of the PostFinance Card must be entered in the payment screen.

      For amounts exceeding this limit, the personal PIN for the PostFinance Card and the card reader are also required.

    • There is a monthly limit if multiple cards belong to the same account (e.g. partner account). The limit per account is defined here on the basis of the limit per card.
    • You can enter individual card limits directly in e-finance or the PostFinance App.

      Go to information on adjusting withdrawal limits

    • When withdrawing currency from ATMs abroad, in many places you can choose with your PostFinance Card whether to have the withdrawal charged in the relevant local currency or in Swiss Francs. We advise you to always have the withdrawal charged in the local currency. When conversions are made abroad, it is often not apparent which rate is being applied and which fees are being charged. You have greater transparency when the conversion is made on your account statement.
    • Choose ATMs that don’t charge any commission or withdrawal fees. If fees apply, they will be indicated during the cash withdrawal. If this is the case, cancel the operation and find another ATM.

    • You can block/unblock your PostFinance Card or order a replacement card quickly and easily online.

      Go to block/unblock card or order replacement card

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