A banking package – all in one

Want to open an account? Our accounts are always available as part of a banking package, tailored to each stage of life. Suitable for payments in Switzerland and abroad, digital payments, and savings, investments and retirement planning.

All in one package

  • Accounts
    Whether it’s for everyday payments or savings
  • Cards
    Debit card, with the option of a credit or prepaid card
  • Online banking
    Secure with e-finance and the PostFinance App

The right banking package for your stage of life

Questions and answers

  • A banking package combines an account with the services that suit your age, stage of life and activities, including app access, bonus interest for savings and cards for international use. This allows you to combine and use exactly the services that make sense for you. Private and savings accounts as well as a PostFinance Card and credit cards are available with PostFinance banking packages.

  • Yes, switching is very easy: whether from the SmartKids children’s package to the SmartYoung youth package or later on to SmartStudents, Smart or SmartPlus with credit card included – the switch is straightforward and takes place automatically according to your age. Your IBAN always stays the same, so that your account details remain unchanged and your account management is always in line with your life situation.

  • Our banking packages are free of charge for children, young people, apprentices and students in accordance with the current conditions. Monthly fees are charged for the Smart and SmartPlus packages for professionals and pensioners. In return, SmartPlus includes a free or discounted PostFinance credit card of your choice – particularly attractive for frequent travellers. You can also combine Smart and SmartPlus with other PostFinance services, reducing the fees for other financial services. Whichever package you choose, you will always benefit from fair and transparent account management.

  • A banking package combines all the important features required to manage accounts securely and sustainably – all in one clear service. The Smart and SmartPlus packages for professionals and pensioners provide services such as a salary or pension account and digital tools for your financial planning, such as an integrated household account book. Apple Pay, Google Pay and virtual cards also give you flexibility when you’re on the go or shopping online. And a special feature of SmartPlus: a credit card with integrated insurance coverage – ideal for travel or larger purchases.

    Other advantages

    • Paperless banking
    • Round-the-clock customer support via app, chat or telephone
    • Carbon footprint tracking for your payments

    That way, you can keep your finances under control at all times – digitally, efficiently and future-oriented.

Still unsure?

With our banking package advisory tool, you can find out which banking package is best for you in just a few clicks.

Go to the banking package advisory tool