basic bank information
PostFinance Ltd is a state-owned retail bank wholly owned by the Swiss government, founded in 1906 and headquartered in Bern, Switzerland. As the financial services arm of Swiss Post, the bank received a banking license from the Swiss Financial Market Supervisory Authority (FINMA) in 2013, making it one of the leaders in the Swiss payment transaction market.
service scope
PostFinance mainly serves the Swiss domestic market, with a wide range of offline outlets (relying on the Swiss Post network) and ATM distribution, providing convenient local financial services. Although its business focus is in Switzerland, it has gradually expanded its digital asset services through partnerships with institutions such as Sygnum Bank to cover global businesses such as cryptocurrency trading and staking.
regulatory and compliance
PostFinance is strictly regulated by the Swiss Financial Market Supervisory Authority (FINMA) and follows the high compliance standards of the Swiss banking industry. As a state-owned bank, its deposits are protected by the Swiss Deposit Insurance Scheme, which is capped at CHF 100,000 per customer. Recently, the bank has embraced digital asset compliance, partnering with regulated cryptocurrency service providers to ensure that its operations comply with anti-money laundering (AML) and financial security requirements.
financial health
As one of Switzerland's largest retail banks, PostFinance's capital adequacy ratio, non-performing loan ratio and liquidity coverage ratio are all in line with the high standards of the Swiss banking industry. Although the specific financial data is not disclosed, its state-owned background and stable deposit base (more than 2.5 million customers) indicate strong financial soundness.
deposit and loan products
Loans: Covers home loans, car loans and personal lines of credit, with competitive interest rates, depending on the credit assessment. The bank offers flexible repayment options, including fixed and variable rate options.
list of common fees
account management fee: some accounts may charge a monthly fee, But the basic account is usually free.
transfer fee: low or free for domestic transfers, and proportional fees for cross-border transfers.
ATM interbank withdrawal fee: Free within partner networks, non-partner ATMs may charge a small fee.
Hidden Fee Reminder: Some high-yield accounts may have a minimum balance requirement, please be aware of the terms.
digital service experience
PostFinance's mobile app and online banking platform are highly rated in the local Swiss market, supporting facial recognition, real-time transfers, bill management and integration of investment tools. In recent years, the bank has stepped up technological innovations, such as introducing AI customer service and robo-advisory capabilities, and exploring open banking APIs to enhance the user experience.
customer service quality
offers multi-channel support, including 24/7 phone support, live chat, and social media responses. The efficiency of complaint handling is high, and user satisfaction is maintained above the industry average. Multilingual services in German, French, Italian and English are available for both local and international customers.
security measures
In terms of fund security, PostFinance uses real-time transaction monitoring and anti-fraud technology to ensure the safety of customer assets. Data security complies with international standards, and no major data breaches have been reported. Deposit insurance further protects the safety of customer funds.
featured services and differentiation
digital asset services: Partnered with Sygnum Bank to provide trading and staking of cryptocurrencies such as Bitcoin and Ethereum, becoming the first state-owned bank in Switzerland to offer such services.
Green Finance: Launched ESG-related investment products to support sustainable development projects.
high-net-worth services: Private banks have a high threshold and provide customized wealth management solutions.
