PostFinance Card in CHF

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The PostFinance Card in CHF is your free card for your private account in CHF. The PostFinance Card combined with Debit Mastercard® enables you to withdraw cash worldwide and shop conveniently online or in stores throughout Switzerland and abroad.

PostFinance Card: convenient shopping and cash withdrawals

  • Free cash withdrawals at Postomats, post offices, at Migros, SBB, Coop Pronto and Denner

  • PostFinance Card combined with Debit Mastercard: pay in online shops and in stores worldwide

  • Make contactless payments

  • Withdraw cash worldwide at ATMs

  • Precondition

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

    PostFinance Card combined with Debit Mastercard

    With the combined card, you can pay wherever the PostFinance Card logo or the Mastercard logo is displayed.

    Make contactless payments

    With the contactless function, you can pay sums of up 100 francs with the PostFinance Card, and sums of up to 80 francs with credit cards without needing to enter a PIN. The limit is 80 francs 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. 

    Cash withdrawals in Switzerland

    Free cash withdrawals at Postomats and post offices, at Migros Customer Service desks, at SBB and private railway counters, at Coop Pronto shops and Denner.

    Cash withdrawals at ATMs in Switzerland are free of charge with the SmartPlus, SmartYoung or SmartStudents banking package. With the Smart banking package, withdrawals of Swiss francs cost CHF 2 and withdrawals of euros cost 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 Visa Plus or Mastercard networks. The information does not originate from PostFinance and no responsibility is accepted for its accuracy.

    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

    Calls from Switzerland: 0848 888 700 (max. CHF 0.08/min. in Switzerland)
    Calls from abroad: +41 58 667 99 85

    Other limits

    • 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, SBB and private railway counters, 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).

    Card blocking and card replacement

    Card blocking

    Via hotline/customer advisor
    Via e-finance

     

    CHF 20 per report
    Free of charge

    Card replacement

    Via hotline/customer advisor
    Via e-finance

     

    CHF 40 per card
    CHF 25 per card

    • 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. 

      Continue to 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.

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