You transfer the amount from your private account
- In e-finance
- In writing with a payment or standing order and Giro international form
Transfer money abroad simply with Giro international. You can choose yourself how quickly the recipient will receive the money. Within the Single Euro Payments Area (SEPA), credit transfers with e-finance are free.
Worldwide credit transfers
Euro credit transfers in accordance with the SEPA standard
Generally credited to the recipient institution within two to four working days
In urgent cases, use “URGENT”
SEPA payments can be executed exclusively with an IBAN – the BIC does not have to be provided anymore. For other transfers, the account number and the BIC or a country-specific code are mandatory. A Giro international (without urgent) to the USA, Canada, Australia, India and China requires a country-specific code if the payment currency matches the currency of the country of the recipient bank. Countries for which the IBAN is mandatory are marked in the IBAN country list.
|Credit transfer type
|Credit transfer typeCredit transfer in e-finance within the SEPA area
||PriceFree of charge|
|Credit transfer typeCredit transfer in e-finance for all other countries
CHF 12 (URGENT)
|Credit transfer typeCredit transfer by payment or standing order
CHF 15 (URGENT)
Note: credit transfers with Giro international are automatically checked to ensure that they meet SEPA requirements.
|Inpayment typeInpayment with PostFinance Card Direct
|Inpayment typeCash inpayment
CHF 30 (URGENT)
Note: cash inpayment includes a fee of CHF 8 from requirements associated with combating money laundering.
With Giro international (SEPA) third-party fee payment is not possible as deductions from the credit transfer amount are not authorized.
Fees charged to the recipient/shared cost: fees may be charged by involved banks for credit transfers abroad. These fees are usually charged to the beneficiary, i.e. fees are deducted from the amount. The beneficiary therefore does not receive the full transfer amount.
Fees charged to the client/our cost: All third-party fees for transferring money to the recipient bank are payable by the client as part of a flat fee of CHF 20 (+ basic price). The recipient bank is credited with the full amount.
Please note that certain recipient banks can charge their customers a fee for credits received via SEPA and for worldwide payments (irrespective of the charging option). This is beyond PostFinance’s control.
You decide in which currency the amount should be credited abroad. Standard procedure is for the amount to be converted into the currency of the destination country. Crediting the amount in CHF (payment currency CHF) is worthwhile only if the end beneficiary’s account abroad is a CHF account.