Simple and secure! Open your banking package as a new customer in just a few minutes, completely digitally.
Smart and SmartPlus
Banking packages for adultsThe basis for your daily financial transactions: our Smart and SmartPlus banking packages bundle accounts and services together into a fair, transparent range of services, and are tailored to your needs. E-finance and the PostFinance App allow you to carry out your banking transactions securely and conveniently online.
SmartPlus banking package price cutSmartPlus banking package price cut
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
CHF 5/month- Private account in CHF, EUR or foreign currency
- PostFinance Card + free cash withdrawal at Postomats
- E-finance + PostFinance App
- Savings account in CHF and EUR
- Cashless payment with PostFinance TWINT
Additional fee-based services
- Credit cards from CHF 50/year
- Cash withdrawals from third-party ATMs: CHF 2/withdrawal
- Cash withdrawals abroad: CHF 5/withdrawal
SmartPlus
CHF 10/month- Private account in CHF, EUR or foreign currency
- PostFinance Card + free cash withdrawals at Postomats
- E-finance + PostFinance App
- Savings account in CHF and EUR
- Cashless payments with PostFinance TWINT
- 10% discount on annual premium for PostFinance property insurance
Including
- Classic/Standard or
- Mastercard Value (prepaid) credit card or
- CHF 50/year discount on Gold or Platinum
Free cash withdrawals at all third-party ATMs in Switzerland and abroad with the PostFinance Card.
Young adults (new customers) up to 23 years of age who are starting out in their professional life receive the SmartPlus banking package for a maximum of three years for half the price at CHF 5. Existing customers between the ages of 21 and 30 who had a SmartYoung or SmartStudent banking package in the past calendar year benefit from the same discount.
With the paper option, which costs CHF 5/month, you receive all account statements, interest statements and/or credit card statements on paper. You can also, manage your payment orders on paper or set up standing orders.
Information on products in the banking packages
Switch banking package
Directly in e-finance or by telephone.
Banking package fees and paper option
Smart banking package |
CHF 5/month |
SmartPlus banking package |
CHF 10/month |
Paper option |
CHF 5/month |
The price for the banking package and for the paper option applies per customer relationship. A customer relationship can include several accounts. The fees are charged monthly.
Other paper-related fees
Forwarding of account statement, interest statement or credit card statement (on paper) |
CHF 5/document |
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One document per month will be generated for forwarding on paper with a monthly account notification.
Fee-based services on paper for customers without paper option
Payment order |
CHF 3/order (envelope) |
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Set up and/or change standing order |
CHF 5/order |
Fee-based services for customers with Smart banking package
Cash withdrawal with the PostFinance Card at third-party ATMs in Switzerland |
CHF 2/CHF withdrawal CHF 5/EUR withdrawal |
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Cash withdrawal with the PostFinance Card abroad |
CHF 5/withdrawal |
Credit cards
- Classic/Standard or Value (prepaid card) CHF 50/year
- Gold CHF 100/year
- Platinum CHF 250/year
SmartPlus, SmartYoung and Smart Students: CHF 50/year on the prepaid card / credit card.
Save money by doing without paper and by carrying out banking transactions in e-finance
You save CHF 5/month by not using the paper option and by carrying out your banking transactions in e-finance. You can make the adjustment in e-finance under “Settings and profile”, “My products”, “Delivery of account documents”.
Save with invested assets, a mortgage, or life insurance
You save an additional CHF 5/month if you have invested assets of over CHF 25,000, a mortgage or life insurance with PostFinance. Invested assets include the assets from all PostFinance investment solutions (e-asset management, crypto, e-trading (invested assets), fund self-service, fund consulting basic, investment consulting plus) and retirement funds. Assets held in savings accounts and medium-term notes are not considered to be invested assets.
Save with SmartPlus
With SmartPlus, you can withdraw cash free of charge with your PostFinance Card at all ATMs with the Mastercard logo worldwide. In addition, you can use the Mastercard® Value (prepaid) or the Classic/Standard credit card free of charge or receive a discount of CHF 50/year on the Gold or Platinum credit cards.
Saving when starting out in your career
With your SmartYoung or SmartStudents banking package, you will receive the SmartPlus banking package for half price at CHF 5/month for a maximum of three years until you reach the age of 30.
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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. With the SmartPlus banking package, you also receive a discount of 10% on the first annual premium for a property insurance policy brokered by PostFinance.
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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.
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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.
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The insurance discount applies to all PostFinance property insurance (car, motorcycle, travel and legal protection insurance) if you have a SmartPlus banking package as an individual (banking packages in the name of several people do not qualify for the discount). It does not apply to property insurance for which Great Lake Insurance SE is involved as the insurer. The discount is granted only once per insurance policy on an annual net premium (excluding taxes, duties, etc.) and is credited to your PostFinance private account within three months. The discount lapses or is not granted if your banking package is changed from Smart to SmartPlus and back within two years and/or if the policy is terminated and a new policy is taken out for the same insurance object.