Banking packages for private customers

Banking packages bundle accounts and services together into a fair, transparent range of services.

  • PostFinance is bundling together its accounts and services for your daily finances into a fair and transparent range of services, comprising both the Smart and SmartPlus banking packages. With Smart and SmartPlus, you can carry out your banking transactions securely and conveniently in e-finance and the PostFinance App, or on paper if you wish. The Smart banking package includes private and savings accounts, the PostFinance Card, free cash withdrawals from Postomats and cashless payments via TWINT. With the SmartPlus banking package, you also receive a credit card and can withdraw cash free of charge with the PostFinance Card from ATMs at other banks – both in Switzerland and abroad.

  • The Smart banking package includes private and savings accounts, the PostFinance Card and free cash withdrawals from Postomats. With the SmartPlus banking package, you also receive a credit card and can withdraw cash free of charge with the PostFinance Card from ATMs at other banks – both in Switzerland and abroad.

    Banking packages for adults

    The SmartStudents, SmartYoung and SmartKids banking packages bundle together everything you need for your everyday finances, based on your age.

    Banking packages for young people and students under 30

  • PostFinance now only offers private and savings accounts and the PostFinance Card as part of one of the two banking packages. Depending on how you use our services, you choose the banking package that suits you best. You can switch your banking package at any time. 
  • You can easily switch your banking package in e-finance under “Settings and profile”, “My products”, “Fees”, by phone or in any PostFinance branch. With the banking package advisory tool, you can find out which banking package suits you best in just a few clicks.
  • You can cancel the paper option in e-finance at any time under: “Settings and profile”, “My products”, “Fees”. If you do not have e-finance yet, you can order it at any time. You will then receive all notifications digitally in e-finance.

    Go to e-finance

  • No. In the SmartPlus banking package, you will receive a Classic/Standard credit card or a Mastercard® Value (prepaid card) free of charge as of 1 July 2021, or you will receive a 50 franc discount on a Gold or Platinum credit card. You will be reimbursed on a pro rata basis any annual fee paid before 1 July 2021.

    Example: The customer is charged the annual price of 50 francs for a Classic/Standard credit card or Value (prepaid card) in January 2021 (card price from January to December 2021). However, because the SmartPlus package price already includes the Classic/Standard credit card or Value (prepaid card) as of 1 July 2021, the customer receives back 6/12 of the 50 francs paid in January 2021 for the period from July to December 2021, i.e. 25 francs in this example. The refund is made to the private account in August 2021.

  • PostFinance focuses on the Swiss market area. For regulatory reasons, only a very limited range of products is available to customers domiciled abroad. Therefore, in order to save on fees, it is generally not possible for our customers domiciled abroad to benefit from products outside the limited range of services. Please note that for customers residing abroad, the 25 franc fee per payment transaction account remains unchanged regardless of your choice of banking package.
  • In 2022, the PostFinance Card will be supplemented with the Debit Mastercard. This means that in future the card can be used worldwide for payment at points of sale (payment terminals and online shops). The inclusion of the Debit Mastercard will not result in any card price increase for cardholders.