Transfer money easily to an account abroad. You can choose yourself how long it should take for the recipient to receive the money. Within the Single Euro Payments Area (SEPA), credit transfers with e-finance and the PostFinance App are free.
Transfers abroad via e-finance and the PostFinance App or at a Swiss Post branch
Free euro credit transfers as per SEPA standard in e-finance and the PostFinance App
Generally credited to the recipient institution in one to two banking days
“Express” option for urgent credit transfers in EUR, USD, CHF, CAD, GBP, NOK, SEK, CZK, HUF, PLN, ZAR
Real-time tracking: keep track of payments in real time and always see the latest status of fees as well as the amount actually transferred.
You decide in which currency the amount should be credited abroad. Standard procedure is for the amount to be converted into the currency of the destination country. Crediting the amount in CHF (payment currency CHF) is worthwhile only if the end beneficiary’s account abroad is a CHF account.
SEPA payments can be executed exclusively with an IBAN – the BIC does not have to be provided anymore. For other transfers, the account number and the BIC or a country-specific code are mandatory. An international payment (without express) to the USA, Canada, Australia, India or China requires a country-specific code if the payment currency matches the currency of the country of the recipient bank). Countries for which the IBAN is mandatory are marked in the IBAN country list.
PostFinance’s BIC is POFICHBEXXX
Use the tracking function to keep track of your international payments in real time until they reach the recipient bank. You can also keep track of fees and the amount actually transferred at all times.
| Credit transfer type | Price |
|---|---|
| Credit transfer type SEPA International payment |
Price Free of charge |
| Credit transfer type Worldwide international payment Recipient receives reduced amount |
Price
CHF 2 CHF 22 |
| Credit transfer type Express surcharge |
Price CHF 10 |
Note: International payments are automatically checked to ensure that they meet SEPA requirements.
| Inpayment type | Price |
|---|---|
| Inpayment type Inpayment with PostFinance Card, Recipient receives reduced amount |
Price
CHF 12 CHF 32 |
| Inpayment type Express surcharge |
Price CHF 10 |
Recipient receives reduced amount
Fees are incurred for credit transfers abroad, which may be charged by the banks involved. These fees are normally deducted directly from the amount. The beneficiary therefore does not receive the full credit transfer amount.
Recipient receives full amount
All third-party fees for transferring money to the recipient bank are payable by the client as part of a flat fee of CHF 20 (+ basic costs). The recipient bank is credited with the full amount (see credit fees).
Third-party fee payment is not possible as deductions from the credit transfer amount are not authorized.
Please note that recipient banks can charge their customers a fee for credits received via SEPA and for worldwide payments (irrespective of the charging option). This is beyond PostFinance’s control.
With SEPA international payments, third-party fee payment is not possible as deductions from the credit transfer amount are not authorized.
Recipient receives reduced amount
Fees are incurred for credit transfers abroad, which may be charged by the banks involved. These fees are normally deducted directly from the amount. The beneficiary therefore does not receive the full credit transfer amount.
Recipient receives full amount
All third-party fees for transferring money to the recipient bank are payable by the client as part of a flat fee of CHF 20 (+ basic costs). The recipient bank is credited with the full amount (see credit fees).
Please note that certain recipient banks can charge their customers a fee for credits received via SEPA and for worldwide payments (irrespective of the charging option). This is beyond PostFinance’s control.
You decide in which currency the amount should be credited abroad. Standard procedure is for the amount to be converted into the currency of the destination country. Crediting the amount in CHF (payment currency CHF) is worthwhile only if the end beneficiary’s account abroad is a CHF account.
