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Prepaid card

PostFinance Package SmartPlus

Account & cards for adults
Free cash withdrawals

General information:

Banking package of PostFinance. Provides customers with private account, savings account, PostFinance Card and the standard/classic credit card. Young adults up to 23 years, who are at the beginning of their professional life after completing their education and young adults between the ages of 21 and 30 who are not qualified for the SmartStudents or SmartYoung banking package, receive the SmartPlus banking package for a maximum of 3 years at half price.

Age:

For individuals from the age of 20.

Currencies:

CHF

Package / account management fee:

The account management costs per customer relationship CHF 12 per month. With investment assets (funds, securities) of CHF 25,000 or more, a mortgage or life insurance policy from PostFinance, the account management costs per customer relationship CHF 7 per month.

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.
Cash withdrawals in CHF at ATMs of other banks in Switzerland are free of charge.

Cash withdrawal abroad:

Debit card:
Cash withdrawals abroad are free of charge.

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:

Free Visa Classic / Mastercard or CHF 50 discount on Gold or Platinum credit card.

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