Use Apple Pay with your PostFinance Card combined with Debit Mastercard. With Apple Pay, you can make secure, contactless payments via your iPhone for everything from shopping to train tickets.
PostFinance Card in CHF
Your daily companion for cashless purchases and cash withdrawals
The PostFinance Card in CHF combined with Debit Mastercard® is your debit card for your everyday purchases – in stores and online shops, in Switzerland and worldwide.
Contactless payment with Apple Pay
PostFinance Card in CHF: convenient shopping and cash withdrawals
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Global acceptance: use your card wherever Mastercard is accepted
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Free cash withdrawals at Postomats, Swiss Post branches, Migros, Coop Pronto shops and Denner stores
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Withdraw cash worldwide at ATMs
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E-finance login with card reader and your PostFinance Card (if you don’t have a smartphone)
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The PostFinance Card is recognized worldwide as a payment method. You can use your card wherever either the PostFinance or the Mastercard logo is displayed.
As a universal payment solution, the PostFinance Card is your straightforward companion for all your purchases. You can also withdraw cash worldwide. Purchases and withdrawals are debited directly to your private account.
Precondition
You must have a PostFinance private account to obtain a PostFinance Card in CHF.
Mobile payment solutions
You can add your PostFinance Card to your smartphone or smartwatch and pay conveniently with Apple Pay – everything is fast, secure and contactless.
Make payments in online shops
Pay in online shops with your PostFinance Card. Where this option is not available, select “Mastercard”. This means you can pay with your PostFinance Card in online shops worldwide.
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
Secure payments
Pay securely with your PostFinance Card. If you make the payment with Mastercard, the globally accepted 3-D Secure procedure is used. You must have a Swiss mobile phone number.
Make contactless payments
The contactless function allows you to pay amounts up to CHF 100 with the PostFinance Card and up to CHF 80 with credit cards without entering your 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.
Make payments in shops
Your PostFinance Card is accepted wherever the PostFinance or Mastercard logo is displayed.
Entering your PIN is always required for the first contactless payment.
Cash withdrawals in Switzerland
Free cash withdrawals at Postomats, Swiss Post branches, Migros customer service, Coop Pronto shops and Denner stores.
You can find more information under “Prices and conditions”.
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.
Card security
Activating geoblocking blocks the option of withdrawing cash via the magnetic strip. This ensures effective protection against skimming.
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Withdrawals In 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 cardIn CHF CHF 5,000
Withdrawals Monthly limit per account
In CHF CHF 5,000
Withdrawals Withdrawals at post officesIn CHF Account balance in terms of cash holdingsSet 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.
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The PostFinance Card in CHF is free of charge.
Cash withdrawals
Place of use Cost of cash withdrawals Place of use PostomatCost of cash withdrawals Free of charge
Place of use Post office counterCost of cash withdrawals Free of charge
Place of use Migros and Manor customer service desks, Coop Pronto shops and DennerCost of cash withdrawals Free of charge
Place of use ATMs in SwitzerlandCost of cash withdrawals Smart banking package:
CHF 2 for withdrawals in Swiss francs
CHF 5 for withdrawals in euroSmartPlus, SmartStudents and SmartYoung banking packages: free of charge
Place of use ATMs abroadCost of cash withdrawals Smart banking package: CHF 5
SmartPlus, SmartStudents and SmartYoung banking packages: free of chargePlace of use Purchase of goods/servicesCost 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 AppCHF 20 per report
Free of charge
Card replacement
Via hotline/customer advisor
Via e-finance/PostFinance AppCHF 40 per card
CHF 25 per card -
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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
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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.
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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.
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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.
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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.
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You can enter individual card limits directly in e-finance or the PostFinance App.
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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.
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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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You can block/unblock your PostFinance Card or order a replacement card quickly and easily online.
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