Private accounts in banking packages
Private accounts are managed in the Smart banking package or the SmartPlus banking package.
Private account in EUR
The account for payment transactions in EUR
The euro account from PostFinance is the ideal account for your payment transactions in the eurozone (SEPA area) and an ideal holiday account. You can easily carry out your financial transactions in EUR with online or mobile banking.
The euro account is part of a banking package and suits you if you:
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- regularly pay or receive money in EUR
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- make international payments and SEPA transfers
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- live, work or travel in the eurozone
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wish to avoid exchange rate fees for payments
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wish to manage a separate account in EUR in addition to your private account in CHF
Interest rates
- Interest rate of 0.00%
- Debit interest for negative balances: 9.50%
Cash withdrawals
| Place of use | Cost for the cash withdrawal |
|---|---|
| Place of use PostFinance Card |
Cost for the cash withdrawal Free of charge |
| Place of use Postomats |
Cost for the cash withdrawal Free of charge |
| Place of use Swiss Post counters |
Cost for the cash withdrawal Withdrawals in Swiss francs: free of charge Withdrawals in euro: 1% of the cash amount withdrawn |
| Place of use ATMs in Switzerland |
Cost for the cash withdrawal Smart banking package: SmartPlus banking package: free of charge |
| Place of use ATMs abroad |
Cost for the cash withdrawal Smart banking package: CHF 5 SmartPlus banking package: free of charge |
Domicile abroad
CHF 25/month per account, regardless of assets
Close your current bank account
You can close your current bank account with the following cancellation letter.
- Please fill in at least the first page
- Sign the form
- Send it to your current bank
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Yes. However, as your account balance is in EUR, the CHF amount withdrawn is converted into EUR and charged in EUR.
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As a rule, it is not possible to overdraw a euro account. For customers who pass a creditworthiness check and receive regular credits, PostFinance may grant an overdraft limit of CHF 1,000, which can be changed upon request at any time.
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A euro account is a bank account especially designed for payments in EUR. With a banking package from PostFinance, you receive accounts, cards and digital services in a comprehensive package – ideal for payment transactions in the eurozone, SEPA transfers, international payments and holidays in Europe.
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Yes, with your euro account you can make cashless payments worldwide and withdraw cash in foreign currencies. The PostFinance Card is debit-based and can be integrated into Apple Pay, Google Pay and other wallets.
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Exchange rate and conversion fees are displayed transparently. For payments in foreign currencies, you benefit from fair rates and low fees, thereby minimizing exchange rate losses.
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All banking packages include modern digital services such as:
- Banking app (intuitive and clear)
- Online banking with secure access
- Carbon footprint tracking of payments
- Digital tools for financial planning
- Paperless banking
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Yes, international transfers and transactions in foreign currencies are possible without any problem. Currency conversions are carried out transparently, showing the current exchange rate and any conversion fees.
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The app and e-finance offer complete cost control, an overview of account management fees, credit card and debit costs and fees for international payments.
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Yes. The euro account can be combined with other PostFinance services in the banking package, e.g. for investment transactions, securities or dividend payments, in order to reduce fees.
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You can buy or sell foreign currencies via the banking app or online banking. The conversions are carried out transparently, showing exchange rates, conversion fees and foreign currencies.
Become a customer in 10 minutes
- Select banking package
- Subscribe completely digitally
- Add a private account in EUR free of charge in e-finance or in the PostFinance App
Already customer
Open your private account in EUR free of charge and easily via your e-finance or the PostFinance App.
