Use Apple Pay with your PostFinance Card combined with Debit Mastercard. With Apple Pay, you can make secure, contactless payments via your iPhone for everything from shopping to train tickets.
PostFinance Card in EUR
Shop conveniently in-store and onlineThe PostFinance Card in EUR is your free card for your private account in EUR. Thanks to the combination with Debit Mastercard®, you can shop or withdraw cash with ease worldwide. With no currency conversion losses for withdrawals in EUR.
PostFinance Card in EUR: no conversion losses for withdrawals of EUR
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Global acceptance: use your card wherever Mastercard is accepted
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Withdraw cash in EUR or CHF at Postomats, ATMs and post offices throughout Switzerland
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Withdraw cash worldwide at ATMs
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E-finance login with card reader and your PostFinance Card (if you don’t have a smartphone)
The PostFinance Card is recognized worldwide as a payment method. You can use your card wherever either the PostFinance or the Mastercard logo is displayed.
As a universal payment solution, the PostFinance Card is your straightforward companion for all your purchases. You can also withdraw cash worldwide. Purchases and withdrawals are debited directly to your private account.
Precondition
You must have a PostFinance private account in EUR to obtain a PostFinance Card in EUR.
Mobile payment solutions
You can add your PostFinance Card to your smartphone or smartwatch and pay conveniently with Apple Pay – everything is fast, secure and contactless.
Make payments in online shops
Pay in online shops with your PostFinance Card. Where this option is not available, select “Mastercard”. This means you can pay with your PostFinance Card in online shops worldwide.
Make payments via Mastercard – how to proceed
In the online shop, select the “Mastercard” option and follow the instructions. In most cases, you will have to enter the following data from your card (additional checks are at the merchant’s discretion):
- Card number
- Card expiry date
- Card verification number
Secure payments
Pay securely with your PostFinance Card. If you make the payment with Mastercard, the globally accepted 3-D Secure procedure is used. You must have a Swiss mobile phone number.
Make contactless payments
The contactless function allows you to pay amounts up to CHF 100 with the PostFinance Card and up to CHF 80 with credit cards without entering your PIN. The limit is CHF 80 for purchases processed with the Debit Mastercard. Simply hold your card against the payment terminal, and your purchase is complete. For amounts above the limit, you will also need to enter your PIN.
Make payments in shops
Your PostFinance Card is accepted wherever the PostFinance or Mastercard logo is displayed.
Entering your PIN is always required for the first contactless payment.
Cash withdrawals in Switzerland
Cash withdrawals at ATMs in Switzerland are free of charge with the SmartPlus, SmartYoung or SmartStudents banking package. With the Smart banking package, withdrawals of euros cost CHF 5 and withdrawals of Swiss francs cost CHF 2.
Cash withdrawals abroad
Please note the information on withdrawing money at ATMs in the Mastercard networks. The information does not originate from PostFinance and no responsibility is accepted for its accuracy.
Card security
Activating geoblocking blocks the option of withdrawing cash via the magnetic strip. This ensures effective protection against skimming.
| Withdrawals | In EUR |
|---|---|
| Withdrawals Cash withdrawals per day |
In EUR EUR 800 |
| Withdrawals Goods purchases per day for online shopping |
In EUR EUR 2,000 |
| Withdrawals Monthly limit per card |
In EUR EUR 4,000 |
| Withdrawals Monthly limit per account |
In EUR EUR 4,000 |
| Withdrawals Withdrawals at post offices |
In EUR Account balance in terms of cash holdings |
Set withdrawal limits
You can set the withdrawal limits yourself in e-finance, in the PostFinance App or by telephone.
Other limits
- ATMs: Maximum withdrawal amount depends on the terminal. Amounts that exceed the terminal limit can be withdrawn in several instalments. Any applicable fees are charged for each withdrawal.
- The PostFinance Card may only be used for recurring payments online up to a specified monthly limit: CHF 1,500 or EUR 1,300 per month.
- The PostFinance Card may only be used for one-off payments online up to a specified monthly limit: CHF 500 or EUR 350 per month.
- Post offices: Please note amount limits applicable at the The link will open in a new window location selected.
The PostFinance Card in EUR is free of charge.
Cash withdrawals
| Place of use | Cost of cash withdrawals |
|---|---|
| Place of use Postomats |
Cost of cash withdrawals Free of charge |
| Place of use Post office counters |
Cost of cash withdrawals Withdrawals in Swiss francs: free of charge Withdrawals in euros: 1% of cash sum withdrawn |
| Place of use ATMs in Switzerland |
Cost of cash withdrawals Smart banking package: SmartPlus, SmartStudents and SmartYoung banking packages: free of charge |
| Place of use ATMs abroad |
Cost of cash withdrawals Smart banking package: CHF 5 |
| Place of use Purchase of goods/services |
Cost of cash withdrawals A processing fee of 1.5% applies on purchases made abroad (goods or services bought in shops and onlineincl. online shops of foreign retailers). This also includes recurring services (e.g. music subscriptions) from online shops that are processed abroad. |
Card blocking and card replacement
Card blocking Via hotline/customer advisor |
CHF 20 per report |
Card replacement Via hotline/customer advisor |
CHF 40 per card |
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PostFinance Card with Debit Mastercard:
- Account debited directly
- Apple Pay mobile payment solution
PostFinance credit card:
- Bonus programme (cashback on sales turnover)
- Car rental discount with AVIS
- Financial flexibility (monthly invoice, partial payment possible)
- Reservation guarantee: debit cards are often not accepted when booking accommodation, rental cars or flights. But a credit card guarantees the reservation.
- Mobile payments with: Apple Pay, Samsung Pay, Google Pay, Garmin Pay, Fitbit Pay or SwatchPAY!
- Value added services depending on credit card: travel insurance, VIP and concierge service, Priority Pass with airport lounge access
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The maximum amount for cash withdrawals depends on the terminal. Amounts that exceed the terminal limit can be withdrawn in several instalments. Any applicable fees are charged for each withdrawal.
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For amounts up to CHF 500 or EUR 350 per month, the card and ID number of the PostFinance Card must be entered in the payment screen.
For amounts exceeding this limit, the personal PIN for the PostFinance Card and the card reader are also required.
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There is a monthly limit if multiple cards belong to the same account (e.g. partner account). The limit per account is defined here on the basis of the limit per card.
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You can enter individual card limits directly in e-finance or the PostFinance App.
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Choose ATMs that don’t charge any commission or withdrawal fees. If fees apply, they will be indicated during the cash withdrawal. If this is the case, cancel the operation and find another ATM.
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You can block/unblock your PostFinance Card or order a replacement card quickly and easily online.
