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Prepaid card

PostFinance Package Smart

Account & cards for adults
Cash withdrawals cost

General information:

Banking package of PostFinance. Provides customers with private account, savings account and PostFinance card. Credit card also available.

Age:

For individuals from the age of 20.

Currencies:

CHF

Package / account management fee:

The account management costs per customer relationship CHF 5 per month. With investment assets (funds, securities) of CHF 25,000 or more, a mortgage or life insurance policy from PostFinance, the account management is free of charge.

Surcharge for paper documents: per customer relationship CHF 5 per month.

The additional charge for paper documents includes account statements, interest statements, credit card bills, payment orders and standing orders.

Private account interest rate:

0% per year.

Account opening:

The account opening is free of charge.

Closing of account:

The closing of account is free of charge.

Annual account closure:

The annual account closure is free of charge.

Statements of account:

The monthly statements of account by mail are free of charge.

Incoming payment:

Incoming payment in CHF are free of charge.

Outgoing payment (Switzerland):

Electronic payment orders in CHF are free of charge.

SEPA payment:

Electronic SEPA payment orders in EUR are free of charge.

Non-SEPA payment (abroad):

Fee of CHF 2.00 per electronic non-SEPA payment order in foreign currency.

Direct debit (LSV) Switzerland:

Electronic payment orders by direct debit (LSV) within Switzerland are free of charge.

Standing order Switzerland:

Electronic standing orders in CHF within Switzerland are free charge.

Annual fee debit card:

Debit card: There is no annual fee to pay.

Purchase Switzerland:

Debit card: Purchases in Switzerland in CHF are free of charge.

Purchase abroad:

Debit card: For purchases in foreign currencies, there is a fee of 1.5% of the purchase amount.

Cash withdrawal Switzerland:

Debit card:
Cash withdrawals in CHF at ATMs of the same bank in Switzerland are free of charge.
For cash withdrawals in CHF at ATMs of other banks in Switzerland, there is a fee of CHF 2.00 per withdrawal.

Cash withdrawal abroad:

Debit card:
Per cash withdrawal abroad, there is a fee of CHF 5.00.

Savings account interest rate:

Up to CHF 50,000: 0.3% per year.
From CHF 50,000: 0.05% per year.

Savings account
withdrawals:

Withdrawal possibilty: CHF 100,000 per year and customer.
10 withdrawals per year are free of charge, additional withdrawals cost CHF 8 per withdrawal.
Larger amounts are subject to a notice period of 3 months.

Credit card:

Different credit cards available, for instance Visa Classic / Mastercard Standard or Visa/Mastercard Gold. Annual fee of Visa Classic / Mastercard Standard: CHF 50.

Credit card
Purchase abroad in foreign curency:

For purchases abroad or online in foreign currencies there is an administrative fee of 1.7% of the purchase amount.

Reward program:

Cashback program of PostFinance credit cards.

Pillar 3a account
interest rate:

0.6% per year.

Termination of banking relationship:

The termination of the banking relationship is free of charge.

Special services:

Debit Mastercard, Mobile banking, Online banking, Reward programs