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PostFinance review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

PostFinance suits Swiss residents who want accounts, cards, loans, mortgages and insurance from a single provider. Borrowers with excellent credit get personal loans at 3.95% to 8.9% with free early repayment, while the savings account pays 0% and monthly account fees run CHF 5 to CHF 10.

Key facts

Best for
Swiss residents wanting accounts, cards, loans and insurance from a single provider.
Monthly fee
CHF 5 to CHF 10↗
Currency conversion fee
1.2%↗
Card type
Debit↗
Legal entity
PostFinance AG↗
Headquarters
Switzerland↗
Founded
2013↗
Support channels
Help-centre↗
Features
Rewards
Official website
postfinance.ch

Loans

APR
3.95% to 8.9%↗
Loan amount
CHF 1,000 to CHF 80,000↗
Term
6 to 84 months↗
Credit check
Hard↗
Funding time
2-3 working days after the 14-day revocation period↗
Representative example
CHF 20,000 over 36 months: monthly repayments CHF 589.40 at 3.95% to CHF 631.90 at 8.90%↗
Rate type
Variable↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
18-64 years old, permanent employment contract, good creditworthiness, resident in Switzerland (Swiss citizen or B/C permit), Swiss bank account↗
Loan types
Debt-consolidation, Personal↗
Credit needed
Excellent↗
Use cases
Home-improvement↗
Pricing model
Monthly

Credit cards

Annual fee
CHF 50↗
Rewards type
Cashback↗
Rewards rate
0.3% cashback, 0.6% in first year↗
Cashback rate
0.3%↗
Card kind
Credit↗

Savings

Headline rate
0%↗
Access terms
10 free withdrawals per customer per calendar year, then CHF 8 each; up to 100,000 per calendar year withdrawable without notice, larger amounts need 3 months' notice↗
Account kind
Easy access↗

Mortgages

Initial rate
1.55%↗
Fixed period
2 years↗
Maximum loan to value
80%↗
Purpose
Purchase, Remortgage↗

Personal insurance

Insurance types
Life, Health↗
Provider type
Broker↗
Monthly payments
Yes↗

Facts checked September 26, 2026, 16 sources

Apps and profiles

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Pros and cons

Pros

  • Personal loans for CHF 1,000 to CHF 80,000 over 6 to 84, with free early repayment and funding 2-3 working days after the 14-day revocation period
  • Debit and credit cards sit alongside the accounts, with cashback rewards of 0.3% cashback, 0.6% in first year on the credit card
  • Fixed-rate mortgages from 1.55% for 2, up to a maximum loan to value of 80%
  • Life and health insurance arranged as a broker, with monthly payments available

Cons

  • The savings account pays 0% against a site median of 3%, so deposits earn little
  • Loan applicants face a hard credit check and excellent credit, which filters out weaker credit files
  • Support runs on help centre only, so help is largely self service
PostFinance

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Scored 8.5 / 10 by SumCue.

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Who it suits

  • Swiss residents with a Swiss bank account and a permanent employment contract
  • Savers who want easy access to money and accept 0% on deposits
  • Homeowners planning a purchase or remortgage on a fixed rate for a short period

Who should look elsewhere

  • Anyone outside the stated eligibility, which asks for a Swiss bank account, residency in Switzerland and a permanent employment contract
  • Borrowers with fair or weaker credit, since the check is hard and the credit needed is excellent
  • People after a higher deposit rate than the 2.75% median

How PostFinance compares

Where PostFinance is available

Available
Switzerland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the savings account pay?+

The savings account pays a variable rate of 0% on a variable basis, and easy access is the point rather than the return. For comparison, the site median for headline rate is 3% and easy-access accounts make up 75.2% of listings.

What do the accounts cost to hold?+

Monthly fees run CHF 5 to CHF 10 depending on the account you pick. The credit card adds an annual fee of CHF 50, and easy-access savings accounts make up 75.2% of the accounts compared here.

Can I get cash out of a savings account?+

Access terms allow a set number of free withdrawals per customer per calendar year, after which a charge applies to each further withdrawal. Large sums come out without notice up to a limit, and anything beyond that needs a notice period on a easy access account.

What does a personal loan cost?+

Borrowing runs at 3.95% to 8.9% on amounts of CHF 1,000 to CHF 80,000 and terms of 6 to 84. A hard credit check applies, credit of excellent is needed, and early repayment is free, which is true of 79.4% of loans here.

How quickly is a loan paid out?+

Funding takes 2-3 working days after the 14-day revocation period, so the money does not move straight after a decision. Home improvement is the listed use case, and it is also the most common purpose across 100% of the loans on the site.

What are the mortgages like?+

Fixed-rate mortgages start at an initial rate of 1.55% for a fixed period of 2, with a maximum loan to value of 80%. The site median for initial rate is 4.69%, and purchase and remortgage are both supported purposes.

Does the credit card charge for currency conversion?+

The currency conversion fee on the credit card is 1.2%, above the site median of 1%. The card is a credit card paying cashback of 0.3% cashback, 0.6% in first year, with an annual fee of CHF 50.

Who can get a loan from PostFinance?+

Applicants need a minimum age, a permanent employment contract, good creditworthiness, residency in Switzerland and a Swiss bank account. The credit check is hard and the credit needed is excellent, the top band in the comparison.

Can I get insurance through PostFinance?+

PostFinance acts as a broker for insurance, offering life and health cover. Policies can be paid monthly, and the monthly payment model is available, matching 89% of the insurance listings on the site.

Sources

And 1 more source page.

Compiled from 16 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

PostFinance

PostFinance

Swiss residents wanting accounts, cards, loans and insurance from a single provider.

8.5/10See alternatives