Granting and managing powers of attorney

With a power of attorney, you authorize a person you trust to represent you legally in relations with PostFinance.

Managing power of attorney in e-finance

  • Grant, amend and revoke powers of attorney immediately online
  • Round the clock – no need to send forms
  • Overview of all powers of attorney granted

Power of attorney duration: a few minutes 

Login for private customers
Business customer login

Credit and prepaid cards: Please send us the amendment separately by post.

For any amendments to your powers of attorney, please call our staff. Business customers may also use a form.

Amend powers of attorney for customers without e-finance

Private customers: Issuing signing rights

  • The principal grants the authorized person the power to be their legal representative vis-à-vis PostFinance. In particular, the authorized person is entitled to access the assets invested at PostFinance and the associated services in the name of the principal, to submit other legally binding statements, to subscribe to certain new services and potentially end the business relationship.
  • The authorized person has the same right to information as the principal, including for any period prior to the granting of the power of attorney. The signatures as well as all declarations submitted and measures taken by the authorized representative are binding for the principal.
  • The power of attorney regulations do not expire on the death, declaration of presumed death, loss of capacity to act or bankruptcy of the principal (Art. 35 CO). It remains in force until PostFinance receives written revocation thereof, provided that PostFinance does not authorize other communication channels to revoke it at that point in time.
  • The principal confirms that the details provided are correct. If any details change, the principal or authorized representative must inform PostFinance of the changes immediately.

Private customers: Issuing rights to information

  • The authorized representative, who does not have signing rights for the selected customer relationship, will be given details about this customer or account relationship orally/via telephone upon request.
  • The authorized representative may view details about all holdings/transactions from the date on which this power of attorney is granted and retroactively for all accounts and custody accounts they manage, or consult such details via e-finance (includes all electronic retrieval rights).
  • The right to information does not expire on the death, declaration of presumed death, loss of capacity to act or bankruptcy of the principal (Art. 35 CO). It remains in force until PostFinance receives notice that it should be revoked, be it in writing or by telephone.

Business customers: issuing signing rights

  • The customer, acting through the person(s) authorized to represent them (e.g. body, owner, proxy, etc.), allows the authorized person(s) to legally represent them vis-à-vis PostFinance. In particular, the authorized representative is entitled to access the assets invested at PostFinance and the associated services in the name of the customer, to submit other legally binding statements, to subscribe to certain new services and potentially end the business relationship.
  • The authorized representative has the same right to information as the customer, including for any period prior to the granting of the power of attorney. The authorized representative may also issue sub-authorizations to third parties (known as e-rights) in e-finance. The signatures as well as all declarations submitted and measures taken by the authorized representative are binding for the customer.
  • “The power of attorney regulations do not expire on the death, declaration of presumed death, loss of capacity to act or bankruptcy of the customer (Art. 35 CO). It remains in force until PostFinance receives written revocation thereof, provided that PostFinance does not authorize other communication channels to revoke it at that point in time.
  • The customer confirms that the details provided are correct. If any details change, the customer or authorized representative must inform PostFinance of the changes immediately.
  • By placing the order, you release PostFinance from its legal confidentiality obligations, especially the obligation to observe postal secrecy and bank client confidentiality towards the following authorized representatives and from any liability in this connection. This release from legal confidentiality obligations remains valid until it is revoked.

Business customers: issuing rights to information

  • The authorized representative, who does not have signing rights for an account for the aforementioned business relationship, will be given details about this business or account relationship orally/via telephone upon request.
  • In accordance with the authorization below, this person may view details about all holdings/transactions from the date of this agreement and retroactively for all accounts and custody accounts they manage, or consult such details via e-finance (includes all electronic retrieval rights).
  • The right to information does not expire on the death, declaration of presumed death, loss of capacity to act or bankruptcy of the customer (Art. 35 CO). It remains in force until PostFinance receives notice that it should be revoked, be it in writing or by telephone, provided PostFinance does not authorize other communication channels to revoke it at that point in time.
  • By placing the order, you release PostFinance from its legal confidentiality obligations, especially the obligation to observe postal secrecy and bank client confidentiality towards the following authorized representatives and from any liability in this connection. This release from legal confidentiality obligations remains valid until it is revoked.

  • A power of attorney authorizes another person to act on behalf of the principal. This may make sense for different reasons:

    • Flexibility: The principal can delegate tasks if they themselves are unable to perform them for time, health or geographic reasons.
    • Continuity: In the event of illness or absence, the principal can ensure that important matters are still settled.
    • Efficiency: Decisions can be made quicker in companies without the principal needing to be present all the time.
    • Signing right: The authorized representative can execute bank transactions on behalf of the principal, for instance make transfers or subscribe to products and services. Private customers can also use this right in e-finance, whereas business customers require an electronic right to do so. 
    • Right to information: The authorized representative will be given details about the business or account relationship orally/via telephone upon request.
    • Individual signing right: An individual can use the account and its asset portfolio by themselves, without the consent of anyone else.
    • Collective signing right: The consent of another authorized person is required to use the account and its asset portfolio.
    • Private customer: Power of attorney only covers selected accounts and custody accounts. It does not cover e-trading, retirement savings accounts 3a, vested benefits accounts, life insurance, mortgages, credit cards, personal loans and property or asset protection insurance.
    • Business customer: Power of attorney only covers selected accounts and custody accounts. It does not cover credit cards and personal loans, nor does it cover property or asset protection insurance.
    • Private customers: At the principal’s request, the authorized representative can automatically gain access to e-finance. They can also have the accounts and custody accounts to which they are authorized activated at any time in e-finance.
    • Business customers: No, the authorized representative does not automatically gain access to e-finance. Access must be applied for and set up separately (known as an “e-right”).