PostFinance Private Account SmartPlus

Free worldwide ATM access plus a credit card included. PostFinance bundles it all together.

The PostFinance Private Account SmartPlus ranks #10 among Switzerland's 45 private accounts. It's a full banking package from one of Switzerland's most widely used financial institutions, bundling a private account, savings account, Debit Mastercard, and a standard credit card into one affordable fee.

Is the Package Worth It?

The SmartPlus package comes with a small annual account management fee and a free debit card. For that, you get a private account, a savings account, and a standard credit card included at no extra cost. Free domestic payments, free SEPA transfers, and free cash withdrawals in Switzerland and abroad.

That credit card inclusion is the key differentiator. A standalone standard credit card typically costs CHF 50-100 per year. If you'd get one anyway, the SmartPlus package effectively saves you money. Young adults aged 21-30 get the package at half price for up to 3 years.

What Actually Stands Out

Free worldwide cash withdrawals with both the PostFinance Card and the Debit Mastercard is genuinely rare at this price point. Most Swiss banks charge CHF 5 per foreign withdrawal. If you use ATMs abroad even occasionally, the savings compound over time.

Multi-currency account management is available in CHF, EUR, USD, GBP, and several other currencies including AUD, CAD, and JPY. PostFinance has the widest physical presence in Switzerland through the postal network, with more access points than any traditional bank.

What Most Reviews Miss

The PostFinance Card (debit) is only available for CHF and EUR accounts. If you open accounts in other currencies, you can't use the debit card directly with them. That limits the practical multi-currency usefulness somewhat compared to neobank alternatives.

The 0% interest on the private account means your checking balance earns nothing. The savings account included in the package does earn interest, but rates vary. Also worth knowing: the minimum age is 20, and non-SEPA international transfers cost just CHF 2, which is the lowest among the top-15 accounts.

The Bottom Line

PostFinance SmartPlus is the best option if you want a complete banking package with a credit card included and worldwide ATM access. The value proposition is clear for anyone who'd buy a credit card separately anyway. Check how it ranks against standalone accounts in our best private accounts in Switzerland guide.

Verdict: Best all-in-one package for Swiss residents who want a credit card bundled with everyday banking.