Do you want to make your payments and conduct your bank transactions easily, quickly, flexibly and securely? PostFinance's banking packages make it possible. Choose the products and services within the package in line with your needs.
As of 1 January 2025, the price of the SmartPlus banking package has been reduced from 12 to 10 francs. Also, the SmartPlus banking package now includes a one-time discount of 10 percent off an annual premium for PostFinance property insurance.
Smart and SmartPlus: for daily banking
Open online in a few minutes
Accounts, cards and services bundled in a practical manner
Free additional savings, investment and retirement savings accounts
Debit card valid worldwide and online
Finances in e-finance and the app under control at all times
Choose your banking package
Change selection
Smart CHF 5/month
Smart
CHF 5/month
The basic package for everyday physical and digital banking
Accounts and cards
Private account in CHF, EUR or a foreign currency
Savings account in CHF or EUR
PostFinance Card
Cash withdrawals
With the PostFinance Card:
At Postomats, in Swiss Post branches and with third-party partners (free of charge)
At third-party banks (CHF 2/withdrawal)
At banks abroad (CHF 5/withdrawal)
Services
E-finance
PostFinance App
Mobile payment
Investments, retirement planning and financing
Paper statements (CHF 5/month)
Discount on banking package
If you combine Smart with a PostFinance mortgage, life insurance or invested assets, the banking package is free of charge.
Thanks to e-finance and the PostFinance App, you have your accounts under control at all times
Accounts
Private account
You can open your private account in CHF, EUR or a foreign currency. It is ideal as a salary account or a pension account. You will receive a digital account statement every month and an interest statement every year.
Savings account
You hold your savings account in CHF or EUR. On this account, you can flexibly put money aside and save for your goals, whether big or small.
Pay conveniently and securely with our debit, credit and prepaid cards.
Cards
PostFinance Card
Pay with your PostFinance Card in stores and online shops worldwide. You define your payment limit individually.
Credit card
With your credit card, you receive up to 1% money back with each purchase thanks to cashback. You also benefit from discounted car hire at AVIS, attractive shopping and travel insurance and much more. With the banking package SmartPlus, you receive your credit card free of charge .
Prepaid card
With the PostFinance Mastercard® Value, you load the desired amount to your card and have all your expenses completely under control. You benefit from up to 0.6% cashback with each purchase. With the banking package SmartPlus, you receive your prepaid card free of charge .
You can manage your products and settings with e-finance and the PostFinance App.
E-finance and PostFinance App
With e-finance and PostFinance App, you can always keep track of your accounts and payments. Adjust settings (such as push notifications), details and withdrawal limits with ease. Thanks to eBill, you can receive and pay your invoices conveniently online.
Make contactless payments quickly and easily.
Mobile payment
You can connect your PostFinance account and cards with various mobile payment services, mobile wallets and wearables (such as Smartwatch) such as PostFinance TWINT, PostFinance Pay, Apple Pay and Google Pay.
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Questions and answers
No, private and savings accounts as well as the PostFinance Card and credit cards are available in banking packages. You can individually set which products and services are included in your banking package at any time.
Yes, your basic banking package includes a private account in CHF, EUR or another foreign currency as well as a savings account in CHF or EUR on request. You can open further accounts later in your e-finance individually and free of charge.
Thanks to the SmartPlus banking package, you benefit from a discount on all PostFinance property insurance such as car, motorcycle, travel and legal protection insurance. To benefit from this, the banking package must belong to you as an individual.
For each insurance policy, we grant you the respective discount once as a net premium (excluding taxes, duties, etc.). We credit the amount to your PostFinance private account within three months.
The discount does not apply if you change your banking package from Smart to SmartPlus and back within two years. The discount will also no longer be valid if you cancel and take out new insurance for the same object.
The discount does not apply to property insurance for which Great Lake Insurance SE is involved as the insurer.
Yes, however, PostFinance focuses on the Swiss market area. As a customer resident abroad, you can only access a limited range of products for regulatory reasons.
For customers resident abroad, a monthly fee of CHF 25 per payment transactions account will be charged additionally.
Yes, you can open a banking package for a joint account as a couple or a family. For individual accounts for adults, you open separate banking packages for each person. The free banking packages Smart Kids (for children up to 11 years of age), SmartYoung and SmartStudents are available for accounts for children and young people.
