Your trust is important to us. Here you can find out more about how PostFinance handles personal data and bank client confidentiality, taking into account the universal service obligation in payment transactions.

Corporate governance, compliance and risk management are key levers in PostFinance’s transparent and successful management. Here you can find more information on the above-mentioned topics as well as the PostFinance Code of Conduct and information on depositor protection.

Financial Services Act (FinSA)

The Federal Act on Financial Services (FinSA) has been in force since 1 January 2020. The purpose of the law is to protect the customers of financial service providers. Here you will find information about PostFinance and its supervisory authority, the ombudsman conciliation office and the implementation of FinSA at PostFinance.

Investment solutions

Here you can find information on our investment solutions.

Information from data suppliers

Please note the following information from individual data suppliers in relation to investment products and services, which applies in each of the published versions.

Statement of commitment to the FX Global Code

PostFinance AG  ("Institution") has reviewed the content of the FX Global Code ("Code") and acknowledges that the Code represents a set of principles generally recognised as good practice in the wholesale foreign exchange market ("FX Market"). The Institution confirms that it acts as a Market Participant as defined by the Code, and is committed to conducting its FX Market activities ("Activities") in a manner consistent with the principles of the Code.

To this end, the Institution has taken appropriate steps, based on the size and complexity of its Activities, and the nature of its engagement in the FX Market, to align its Activities with the principles of the Code.

Purpose

The EU’s amended Shareholder Rights Directive II (SRD II) came into force on 3  September  2020. SRD II aims in particular to strengthen the rights of shareholders of listed companies and to improve communication between listed companies and their shareholders.
PostFinance and other financial institutions must – regardless of their domicile – forward certain information from listed companies domiciled in an EU/EEA Member State to shareholders, facilitating the exercise of voting rights. Upon request, financial institutions are obliged to provide certain information about their customers who are shareholders in such listed companies.

Scope

The Shareholder Rights Directive II applies to all financial institutions that hold shares for their customers in a listed company domiciled in the European Union (EU) or the European Economic Area (EEA). PostFinance and its customers who hold such securities in their custody accounts are therefore also impacted.
However, as some national transposition laws go beyond the minimum requirements set out in the European directive, its scope may be extended. This means that bonds and funds, for example, may also fall within its scope, provided that an EEA Member State incorporates them into national law.

Identifying shareholders

In accordance with Article 3a of the Shareholder Rights Directive, listed companies in the EU have the right to identify their shareholders. The company may therefore request PostFinance to provide it with certain information (in particular on the identity of the shareholder). It is not possible to opt out of disclosing the required information to a company that requests it; PostFinance is obliged to provide the information (e.g. number of shares). However, it is always possible to invest in other assets to which SRD II’s duties of disclosure do not apply.

Transmitting information

Financial intermediaries (including PostFinance) must immediately forward to the shareholder the information required to exercise shareholder rights. 

Facilitating the exercise of shareholder rights

PostFinance is obliged to facilitate the exercise of rights by the shareholder, in particular the right to attend and vote at the General Meeting of the shareholders. PostFinance must therefore make arrangements to enable the shareholder to exercise the rights attached to the shares. Furthermore, PostFinance must forward the confirmation of voting to the shareholders without undue delay.

Sometimes contact with customers is broken and assets become dormant as a result. This can mean that assets belonging to customers and their heirs can end up being forgotten. To avoid this, we rely on your help. You can find the most important information on this topic in this information from Swiss Bankers Association.

PostFinance Ltd is a successful financial service provider and a high yielding subsidiary of Swiss Post Ltd. PostFinance Ltd is the number one in payment transactions in Switzerland and in e-finance, the electronic account management platform. PostFinance Ltd provides a comprehensive, innovative range of financial services in the payments, savings, investments, retirement planning and financing segments for both private and business customers.

Contact address

PostFinance Ltd
Contact Center
Mingerstrasse 20
3030 Berne

Switzerland

Tel.: +41 58 448 14 14

Company identification number (UID):
CHE-114.583.749

By accessing the PostFinance website, you agree that you have understood and accept the legal information below.

Please refer to the Privacy Policy if you have any questions about data protection.

The legal information and any information and opinions published on the PostFinance website can be changed at any time without prior notice.

This legal information also governs the access to and use of services associated with the PostFinance website, such as newsletters and online magazines.

Information on the advertising of services and products offered by PostFinance Ltd can be found on postfinance.ch.

Accessible PostFinance websites

Since 2004, access for all has been required by the Swiss law covering equality for the disabled (Behindertengleichstellungsgesetz - BehiG), and PostFinance has therefore been consistently implementing this requirement.

This means that blind people are able to make good use of the website and can have content read aloud to them by audio output. Visually impaired people are able to display all text and images in any size. Furthermore, the contrast is optimized everywhere for good legibility. People with motor disabilities can navigate the website with alternative input methods or simply by using the keyboard. Those with hearing difficulties can easily follow videos on our website with the help of subtitles. More and more people with age-related conditions can also benefit from all of these improvements.

Contact

PostFinance Ltd
Mingerstrasse 20
3030 Berne Switzerland

Tel.: +41 58 448 14 14

Accesskeys – useful navigation help

Access keys facilitate quick access to certain web pages and content via the keyboard. This is of great benefit to users who prefer using the computer keyboard instead of the mouse. PostFinance incorporates this quick access and has adopted the access key assignment recommended by the “Access for all” foundation.

Accesskeys www.postfinance.ch

0 = To homepage

1 = To navigation (within page)

2 = To content (within page)

3 = To e-finance login

4 = To site map

9 = Logout

Accesskeys e-finance

0 = To the contents

1 = Main navigation

2 = To the contents 

3 = Start page

4 = Site map

9 = Logout

How the access keys work in various browsers

Windows:
Internet Explorer: Alt key + access key number, followed by Enter
Firefox: Alt key + shift key + access key number
Chrome, Safari: Alt key + access key number

Mac OS X:
Safari, Firefox, Chrome: Ctrl key + alt key + access key number

Some useful Jaws abbreviations

T = Table

F = Form

V = Visited link

H = Heading

JAWS key + F5 = List of all form fields

JAWS key + F6 = List of headings

JAWS key + F7 = List of links

Tips on accessible use of e-finance

The main e-finance menu consists of the following sections:

«Home», «Assets», «Payments», «Documents» and «Offers» are available to all customers.

Business customers have a «Pooling» section if account pooling is activated.

An overview page with tiles can be found within each section. Tiles are squares lined up next to and on top of one another.

You can change the order of the tiles by dragging and dropping or by using the «Arrange tiles» function.

There are different types of tile as follows:

• Tiles for carrying out transactions directly, such as «One-time transfer». These tiles use the standard settings. If personal settings can be defined, you can access them via an additional link on the tile.
• Tiles for starting a transaction, such as «Domestic payment». You enter the initial information on the tile, then click on «Next» to access the detailed view where you can complete the transaction.
• Tiles for displaying your most recent transactions or documents. These tiles also contain a link to the detailed view, where you can search for all transactions/documents.
• Tiles for accessing less frequently used functions

Always use the most up-to-date browser and software versions

Continuous improvements

Certain content is not yet completely accessible. This applies especially to older applications or those with sophisticated programming. They will be made accessible as far as possible. These services are marked accordingly and are not a main part of certification granted by the “Access for all” foundation.

The following sub-areas are affected:

• E-trading
• Webinars
  
• E-bills
• Manuals, print templates, account and interest statements (PDF files)
  

Technological progress requires constant monitoring, but it also allows continuous improvement to the accessibility of web content. That is why PostFinance has agreed to periodic quality controls and a permanent exchange of expertise with the “Access for all” foundation. Content is regularly reviewed and made as accessible as possible as part of the next release.

Our social media profiles are aimed at a wide audience. We value feedback, comments and engagement on an equal footing. We reserve the right to block users and delete contributions that violate our netiquette.

PostFinance will never ask users for personal information via a social media channel. You should never publish your personal details or any particulars about your bank accounts in the public domain or on social media channels.

For data security reasons, we cannot answer questions about bank accounts via social media if customer identification would be required. Please contact our customer service by calling +41 58 448 14 14, by using the online chat or by sending us a message in the e-finance login area. If you have any questions about our social media profiles, you can contact us directly on social media.

If you follow or interact with PostFinance’s social media profiles, other users may be able to identify a potential customer relationship between you as an individual and PostFinance. As people who are not customers can also be PostFinance fans or followers, fan or follower status does not necessarily imply that the user in question has a banking customer relationship with PostFinance.

PostFinance is responsible for the social media profiles, but is not affiliated with the platform providers. We have no control over how these platforms or other third parties use the information that you publish on social media. We therefore suggest consulting the data protection and security guidelines for the various platforms:

The link will open in a new window Twitter, The link will open in a new window Facebook, The link will open in a new window LinkedIn, The link will open in a new window YouTube, The link will open in a new window Instagram, The link will open in a new window TikTok, The link will open in a new window Snapchat, The link will open in a new window Pinterest

PostFinance is not responsible for the data protection and security guidelines for these social media platforms or those of other third parties.

Content on PostFinance and employee social media channels is provided for information purposes. The content should not be viewed as advice, a recommendation or a solicitation to purchase/sell investments or to carry out transactions.

Competitions or prize draws advertised on PostFinance profiles are not affiliated with the social media platform in question. They are not sponsored, supported or organized by these platforms. Prize draw participants cannot assert rights against the social media platforms.

You can find the PostFinance data protection guidelines for visitors to our websites and social media channels here: postfinance.ch/dps-web

For additional information, please refer to the legal information on our website.