Savings account

The secure and flexible alternative to your piggy bank
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The savings accounts from PostFinance are ideal for saving money securely and flexibly. Whether it’s for your future plans, your holidays or a long-held dream.

Savings account: the ideal complement to your private account

  • Available in CHF and EUR

  • Up to 0.10% interest

    • Use for yourself or with a partner

  • Make payments and withdraw money with a free debit card

More than just a savings ac-count – your all-round banking package

Open your savings account di-rectly online in the banking pack-age  for just CHF 5 per month.

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Savings accounts in banking packages

Savings accounts are managed in the Smart, SmartPlus or SmartStudents banking package.

Interest rates

BalancesInterest CHFInterest EUR
Balances
Up to CHF 50'000.– / EUR 50'000.–
 Interest CHF
0.10%
 Interest EUR
0.10%
Balances
From CHF 50'000.– / EUR 50'000.–
 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
  • 10 withdrawals per customer and calendar year (partner accounts count as one customer)
  • CHF 8 for each additional withdrawal
Amount not subject to notice
  • CHF 100,000 per customer and calendar year (partner accounts count as one customer)
  • 3 months’ notice period for larger amounts
  • Withdrawal notices are valid for 30 days beyond the notice deadline. No written notice is required for transfer to PostFinance services (with the exception of PostFinance private account withdrawals).
If the notice period is not observed
  • Charge of 1% of the amount exceeding the limit is charged at end of the month

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 

Whether you want to close your current bank account or redistribute your assets, we’ll be happy to help. 

Close your current bank account

  1. Please fill in at least the first page of the form
  2. Sign the form
  3. Send it to your current bank

How can I make payments for a savings account?

Payments for your savings account and e-savings account can be made using e-finance. For the savings account, payment orders can also be made on paper. Please note the withdrawal conditions. 

What are the limits with the account card for the savings account?

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 700/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   

You would like to become a customer

Open a banking package including savings account in just a few steps.

Become a customer

You already have a PostFinance account

Open your new savings account online.

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