PostFinance review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
PostFinance suits people who bank in Switzerland and want a full current account with a linked savings pot. Everyday spending, joint accounts and easy-access saving are covered, though the personal account costs CHF 5 a month against a €0 median across listings, and the account targets expats, student and teen.
Key facts
- Best for
- Everyday banking in Switzerland with savings attached and free domestic electronic payments.
- Monthly fee
- CHF 5↗
- Currency conversion fee
- 1.5%↗
- Currencies
- 10↗
- Local account details
- IBAN↗
- Transfer fee
- Free of charge for electronic payments and standing orders within Switzerland via e-finance/PostFinance App↗
- Legal entity
- PostFinance Ltd↗
- Headquarters
- Switzerland↗
- Founded
- 1900↗
- Support channels
- Chat, Phone, Help-centre↗
- Audience
- Expats, Students, Teens
- Features
- Free ATM withdrawals, Joint account
- Official website
- postfinance.ch
Savings
Money transfer
- Delivery time
- 1-2 working days worldwide; 1 banking day SEPA; same banking day with express↗
- Payout methods
- Bank↗
- Fee to send 1,000
- CHF 2 to CHF 22↗
Facts checked September 26, 2026, 10 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- XLinkedInkununu.com
Pros and cons
Pros
- Domestic electronic payments and standing orders within Switzerland cost nothing through e-finance or the PostFinance App.
- International payments usually clear within a few working days, SEPA within a banking day, and express payments the same banking day.
- The account carries free atm and joint account, with support on chat, phone and help centre.
- PostFinance Ltd lists the Swiss Financial Market Supervisory Authority (FINMA) as its regulator and has traded since 1900.
Cons
- A monthly fee of CHF 5 on the personal account, where the site median is €0.
- Currency conversion at 1.5% against a 0.5% site median, placing it 194 of 312.
- The savings account pays a headline rate of 0% at a variable rate, under the 3% site median.
Who it suits
- Swiss residents who want everyday payments and easy-access savings in one place.
- Students, teens and expats, the groups the personal account is aimed at.
- People who send and receive internationally, with 10 currencies and bank payouts.
Who should look elsewhere
- Anyone who wants no account fee: PayPal Colombia charges $0 a month.
- Cost-first buyers: Skrill's monthly fee is €0.
- Traders weighing an alternative: eToro charges £0 a month.
How PostFinance compares
9.2 vs 8.7
9.2 vs 8.6
9.2 vs 8.0
9.2 vs 8.9Its monthly fee is £0, while PostFinance pairs the current account with an easy-access savings account.
9.2 vs 9.1
9.2 vs 9.2
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 9.0A monthly fee of €0, so it costs less to hold than the PostFinance personal account.
9.2 vs 8.7
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.1- 9.2 vs 8.1
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 9.1
Where PostFinance is available
- Available
- Switzerland
- Licence in Switzerland
- Swiss Financial Market Supervisory Authority (FINMA), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the PostFinance personal account cost a month?+
The personal account carries a monthly fee of CHF 5, the only recurring charge listed for it. Across the accounts on the site the median monthly fee is €0, and most listings charge nothing, so this one sits on the costly side. Domestic electronic payments and standing orders in Switzerland add nothing.
How much does it cost to convert currency?+
Conversion of currency costs 1.5% on the card, against a site median of 0.5%. The account holds 10 currencies and gives local details as an IBAN, so customers can keep several balances, but should budget for conversion when spending outside Switzerland.
How many currencies and local account details do I get?+
The account covers 10 currencies and issues local details as an IBAN for receiving payments. Money can be paid out to a bank account. Swiss electronic payments and standing orders cost nothing through e-finance and the PostFinance App, so holding several currencies stays cheap until you convert them.
Who regulates PostFinance?+
PostFinance Ltd, the legal entity behind the account, is based in Switzerland and lists the Swiss Financial Market Supervisory Authority (FINMA) as its regulator. The company has been operating since 1900, which gives some sense of staying power, but the account is priced and shaped for Swiss domestic use rather than a multi-market audience.
What does the savings account pay and how do I reach the money?+
The savings account is the easy access option here, so money is not locked away, but a set number of withdrawals each calendar year are free and each one after that costs a fee. A yearly ceiling can be taken out without notice and anything larger needs a waiting period of a few months. Payouts for international payments go to a bank account.
What do international payments cost and how fast are they?+
International transfers cost CHF 2 to CHF 22 and land in a bank account. Timing depends on the route: most worldwide transfers take a few working days, SEPA clears within a banking day, and express payments arrive the same banking day. Domestic Swiss electronic payments and standing orders cost nothing, so the fee only bites on cross-border sends.
Who is the account aimed at and how do I get help?+
Support runs on chat, phone and help centre, so help is available by chat, by phone and through a self-serve help centre. The personal account is aimed at expats, student and teen and carries free atm and joint account, which suits a shared household setup. For transfers, knowing the fee scale in advance keeps costs predictable.
Sources
- postfinance.ch/en/about-us/company/history.html checked September 26, 2026
Backs: Founded
“Take a journey back in time with us and experience PostFinance's 100-year history. It begins with the launch of the 'post cheque and giro service'”
- postfinance.ch/en/detail/financial-services-act.html checked September 26, 2026
Backs: Licences
- postfinance.ch/en/detail/legal-information-and-accessibil... checked September 26, 2026
Backs: Headquarters, Legal entity
“PostFinance Ltd, Mingerstrasse 20, 3030 Berne, Switzerland”
- postfinance.ch/en/private/paying-saving/accounts/personal... checked September 26, 2026
Backs: Audience, Support channels, Transfer fee
“The free youth account from PostFinance is aimed at young people up to 20 years of age... young people between 18 and 30 years of age and in education may also benefit from a student account;...”
- postfinance.ch/en/private/paying-saving/accounts/savings-... checked September 26, 2026
Backs: Access terms, Account kind, Rate type
“10 withdrawals per customer and calendar year (partner accounts count as one customer); CHF 8 for each additional withdrawal ... Per calendar year and customer: 100,000 (regardless of currency)...”
- postfinance.ch/en/private/paying-saving/banking-packages/... checked September 26, 2026
Backs: Features, Monthly fee
“With Migros, in the Coop Pronto shops and in Denner, you can withdraw your cash free of charge... Yes, you can open a banking package for a joint account as a couple or a family”
- postfinance.ch/en/private/paying-saving/convert-currency-... checked September 26, 2026
Backs: Currencies
“You can choose from ten currencies. ... Exchange ten currencies online”
- postfinance.ch/en/private/paying-saving/debit-credit-card... checked September 26, 2026
Backs: Currency conversion fee
“A processing fee of 1.5% applies on purchases made abroad (goods or services bought in shops and online) - PostFinance Card in CHF”
- postfinance.ch/en/private/paying-saving/domestic-payments... checked September 26, 2026
Backs: Local account details
“IBAN calculator ... Convert (IBAN calculator)”
- postfinance.ch/en/private/paying-saving/international-pay... checked September 26, 2026
Backs: Delivery time, Payout methods, Fee to send 1,000
“Worldwide international payment: account credited in 1-2 working days; SEPA International payment: account credited within a maximum of one banking day as of the debit date”
- postfinance.ch/en/subject/current-interest-rates.html checked September 26, 2026
Backs: Headline rate
“Savings account ... Interest in CHF 0.00% on the total credit (valid since 1 August 2025)”
Compiled from 11 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection.
Related by the facts
PostFinance
Everyday banking in Switzerland with savings attached and free domestic electronic payments.