The private account in CHF from PostFinance is a basic account for people from 20 years of age and is ideal as a salary or pension account. You can also use our online and mobile banking with e-finance and the PostFinance App, making it easy for you to take care of your day-to-day financial transactions.
Ideal as a salary or pension account
Free cash withdrawal at all post offices, Postomats, Migros, at Coop Pronto shops and Denner
Online shopping without a credit card
Free PostFinance Card
Private accounts are managed in the Smart banking package or the SmartPlus banking package.
| Place of use | Cost for the cash withdrawal |
|---|---|
| Place of use PostFinance Card |
Cost for the cash withdrawal Free of charge |
| Place of use Postomats |
Cost for the cash withdrawal Free of charge |
| Place of use Swiss Post counters |
Cost for the cash withdrawal Free of charge |
| Place of use Migros customer service desks, Coop Pronto shops and Denner |
Cost for the cash withdrawal Free of charge |
| Place of use ATMs in Switzerland |
Cost for the cash withdrawal Smart banking package: SmartPlus banking package: free of charge |
| Place of use ATMs abroad |
Cost for the cash withdrawal Smart banking package: CHF 5 SmartPlus banking package: free of charge |
CHF 25/month per account, regardless of assets
You can close your current bank account with the following cancellation letter.
The identity of the account holder is verified quite easily – either in a PostFinance or Swiss Post branch, or via an online video chat.
You only need your identity documents to open an account (passport or ID).
Yes, 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, choose the banking package that suits you best. You can switch your banking package at any time. Banking packages are free of charge for young people.
Yes, you can open your private account in Swiss francs online in just five minutes.
To open an account in Swiss francs, you must be of legal age and reside in Switzerland. Customers up to 20 years of age receive a youth account. Those who are not yet of legal age require the signature of a parent or legal representative to open the account. For more on youth accounts: Youth account | PostFinance
When opening a bank account, you can also sign up for the online banking solution, e‑finance. Your account documents can be downloaded directly from there. You save five francs per month by not using the paper option and by carrying out your banking transactions in e-finance.
Electronic payments and standing orders (via e-finance/PostFinance App) and setting up standing orders online (in e-finance/PostFinance App) are free of charge within Switzerland.
Manage your finances when and where you like with our mobile banking solution, the PostFinance App. Whether you want to get an overview of your account balance or transactions, or simply want to set up and approve payments – with e-finance you can manage your finances independently, any place, any time. Whether via computer or smartphone – you’re always in full control.
The PostFinance Card in Swiss francs is free of charge and comes with your private account in Swiss francs. The PostFinance Card combined with Debit Mastercard® enables you to withdraw cash worldwide and shop conveniently online or in stores throughout Switzerland and abroad.
The free youth account from PostFinance is aimed at young people up to 20 years of age. With this account, you’re in full control of all your daily financial transactions. Additionally, young people between 18 and 30 years of age and in education may also benefit from a student account. For more information on youth accounts: Youth account | PostFinance
Yes, the PostFinance account can be opened as a partner account, household account or a flatshare account.
Open your banking package including account and card in just a few steps.
Open an additional private account.
