Savings accounts in banking packages
Savings accounts are managed in the Smart, SmartPlus or SmartStudents banking package.
Savings account
Save easily for your goals
The savings account is ideal for saving money securely and flexibly – whether for holidays, a car, residential property or other objectives.
The savings account as part of a banking package suits you if you:
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wish to save flexibly and securely in CHF or EUR
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- wish to set money aside for personal goals, such as holidays or major purchases
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are looking for a savings account that can be integrated into your everyday life and combined with other PostFinance services
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wish to use digital tools for financial planning, transparency and control
Interest rates
| Balances | Interest CHF | Interest EUR |
|---|---|---|
| Balances Total credit |
Interest CHF 0.00% |
Interest EUR 0.00% |
| Balances Debit interest for negative balances |
Interest CHF 9.50% |
Interest EUR 9.50% |
Withdrawal conditions
Number of free withdrawals/payment slips |
|
Amount not subject to notice |
|
|---|---|
If the notice period is not observed |
|
Cash withdrawal with your PostFinance account card
PostFinance account card |
CHF and EUR: free of charge |
Cash withdrawals at Postomats |
CHF and EUR: free of charge |
|---|---|
Cash withdrawals at post office counters |
CHF: free of charge EUR: 1% of the withdrawal amount |
Account card withdrawal limits
| Withdrawal limits | Account card in CHF | Account card in EUR |
|---|---|---|
| Withdrawal limits Cash withdrawals at Postomats |
Account card in CHF CHF 1,000/day |
Account card in EUR EUR 800/day |
| Withdrawal limits Monthly limit per card |
Account card in CHF CHF 5,000 |
Account card in EUR EUR 4,000 |
| Withdrawal limits Monthly limit per card (relevant only if several account cards belong to the same account) |
Account card in CHF CHF 5,000 |
Account card in EUR EUR 4,000 |
| Withdrawal limits Withdrawals at post offices |
Account card in CHF Within the limit of available account funds |
Account card in EUR Within the limit of available account funds |
Whether you want to close your current bank account or redistribute your assets, we’ll be happy to help.
Close your current bank account
- Please fill in at least the first page of the form
- Sign the form
- Send it to your current bank
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With a savings account in a PostFinance banking package, you can invest money flexibly and pursue your savings goals. With the digital services in the PostFinance App and e-banking (e-finance), you can keep track of your savings at all times.
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With the banking app or online banking, you can keep track of your account balance, account transactions and balance manager. You can manage transfers, standing orders and withdrawal limits and manage your savings account digitally.
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Yes. Children, young people, apprentices and students receive free banking packages that include a savings account. This enables them to learn how to manage money in an age-appropriate way, with budget planning and support for financial independence. Parents are given control over the assets when they open an account.
Go to the banking packages for children, young people, apprentices and students
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You can access your account balance, account statement and account transactions at any time via the banking app or online banking.
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Banking packages combine accounts, cards and digital services in a comprehensive package. They offer transparency and security and facilitate cashless payments worldwide.
Become a customer in 10 minutes
- Select banking package
- Identify online
- Sign up completely online
Already a customer
Open an additional savings account easily via your e-finance or the PostFinance App.
