What is the official website of the payment service?
https://www.postfinance.ch
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Where can I find the customer support contacts?
Customer support contacts are listed on the "Contact & Support" page of the official PostFinance website.
What is the hotline phone number?
+41 58 667 99 00
Is there a toll-free support number?
Toll-free numbers are not prominently listed; standard service phone numbers are provided for customers.
What is the email address for technical support?
For technical support, customers use the website contact form, as no direct email is published.
Are there separate emails for different types of inquiries?
Specialized queries are routed through different online forms rather than separate public email addresses.
Where can I find the online chat support?
Online chat support is available through the Secure Messaging feature in e-finance for registered users.
Does the chat support work 24/7?
Chat support availability depends on service hours; commonly not 24/7, often limited to business hours.
Is there support through messengers (Telegram, WhatsApp)?
Support via popular messengers like Telegram or WhatsApp is not publicly offered.
What are the support working hours?
Standard customer support hours are Monday to Friday, typically 8:00–18:00 Central European Time.
Does support work on weekends and holidays?
Customer support is usually unavailable on weekends and Swiss public holidays.
Are there regional offices for in-person visits?
Regional branches and offices are available for in-person visits in Switzerland.
Where are the physical offices located?
The main headquarters is at Mingerstrasse 20, 3030 Bern, with branches across major Swiss cities.
Can I schedule a personal meeting?
Scheduling a personal consultation is available via telephone or online application, subject to availability.
Are there representatives in different countries?
PostFinance does not maintain international representative offices outside Switzerland.
In which languages is support available?
Customer service is provided in German, French, Italian, and English.
How quickly does support respond to requests?
Response times vary by channel; phone calls are typically answered within minutes, emails within 1–2 business days.
Is there a priority system for VIP clients?
VIP or business clients may receive prioritized support, though details depend on account type and relationship.
Can I request a callback?
Callback requests can be scheduled via the online portal or by contacting support directly if available.
When was the payment service founded?
PostFinance was established in 1906.
Who is the founder and owner of the service?
PostFinance is a subsidiary of Swiss Post (Die Schweizerische Post AG); ownership lies with the Swiss government.
In which country is the company registered?
PostFinance is registered and legally domiciled in Switzerland.
What is the development history of the payment service?
PostFinance evolved from Swiss Post's financial services, becoming a leading Swiss digital payment provider with e-finance, mobile apps, and broad modernization.
Have there been major updates or rebranding?
Major updates include expansion of digital services, introduction of e-finance, development of the PostFinance Card, and ongoing digital modernization.
Who sits on the company's board of directors?
The board includes executives such as the CEO Sandra Lienhart and other Swiss Post-appointed directors.
Are there investors or partners in the service?
PostFinance partners with Swiss Post, payment solution providers, and various business partners in Switzerland.
Does the company participate in stock trading?
PostFinance itself is not publicly traded; Swiss Post, its parent, is state-owned.
What is the company's market capitalization?
As a government-owned entity, PostFinance does not have a market capitalization as listed companies do.
Are there subsidiary companies or branches?
PostFinance operates as a business unit of Swiss Post, with branches and service points throughout Switzerland.
What licenses does the payment service have?
PostFinance holds a Swiss banking license and is regulated by FINMA.
In which jurisdictions does the service operate officially?
PostFinance operates officially in Switzerland.
Are there licenses for cryptocurrency operations?
PostFinance has launched crypto services; relevant licenses are held under Swiss financial regulations.
Does the service comply with AML/KYC requirements?
PostFinance fully complies with Swiss AML and KYC requirements per FINMA regulation.
Are there security certificates (PCI DSS, etc.)?
Security certifications include PCI DSS for card payments and ISO/IEC 27001 for data protection.
Has the service undergone security audits?
The service regularly undergoes internal and external security audits in line with banking standards.
Is there insurance for client funds?
Client funds are protected under Swiss depositor insurance up to CHF100,000 per client.
Which international standards does it comply with?
PostFinance complies with ISO/IEC 27001, PCI DSS, GDPR (for EU clients), and Swiss data protection laws.
Have there been any regulatory fines or violations?
No major regulatory fines or violations have been publicly reported for PostFinance.
Where can I find real reviews about the service?
Reviews are available on Trustpilot, Google Reviews, Comparis.ch, and Swiss banking forums.
What are the main user complaints?
Users commonly cite fees, occasional technical issues, delayed transactions, and limitations for non-residents.
What do users most often praise the service for?
Positive feedback highlights user-friendly digital platforms, reliable payment services, security, and strong Swiss reputation.
Are there issues with fund withdrawals?
Most users report reliable withdrawals; rare complaints include delays due to verification or bank transfer processes.
Is the interface convenient according to users?
Users find the PostFinance web and mobile interfaces intuitive and modern, with recent improvements noted.
Are clients satisfied with transaction speed?
The majority are satisfied with transaction speeds for domestic payments; some report delays for international or crypto transactions.
Do users recommend this service?
Most Swiss residents and businesses recommend PostFinance, especially for domestic payments.
How do experts assess the service's reliability?
Industry experts rate PostFinance well for reliability, security, and compliance.
Are there industry awards and recognitions?
PostFinance has received Swiss banking prizes and fintech awards for innovation and customer service.
Does the service participate in payment system rankings?
The service is consistently ranked among the top Swiss retail banks and payment providers.
Are there recommendations from financial regulators?
Financial regulators recognize and recommend PostFinance for compliance and reliability within Switzerland.
What reputation does the service have among partners?
Partners rate PostFinance highly for reliability, integration, and professional standards.
How do they evaluate solution innovation?
The service is acknowledged for ongoing digital innovation in payment solutions and e-finance.
Are there quality service certificates?
The company holds various quality and security certifications, including ISO/IEC 27001.
Does the company participate in industry conferences?
PostFinance regularly attends and presents at Swiss and European fintech, banking, and digital innovation events.
How does the service position itself in the market?
PostFinance positions itself as a leading Swiss digital payment and financial services provider focused on ease and innovation.
Which fiat currencies does the service support?
Supported currencies include Swiss Franc (CHF), Euro (EUR), and select major currencies for international payments.
Are cryptocurrencies supported? Which ones specifically?
PostFinance supports buying/selling Bitcoin and Ethereum through partner collaborations.
Is there a proprietary cryptocurrency or token?
No native proprietary cryptocurrency or token is issued or supported.
Can currencies be converted within the service?
Currency conversion is offered between supported fiat currencies for transactions and payments.
What exchange rates are used for conversion?
Official PostFinance exchange rates are updated daily based on market values and Swiss reference rates.
How often are exchange rates updated?
Exchange rates are typically updated once daily, with some adjustments at midday for market changes.
Are stablecoins supported?
Stablecoins are not directly supported; only select cryptocurrencies are enabled for buying/selling.
Can exotic currencies be handled?
Service supports limited exotic currencies for international transfers; handling is subject to Swiss banking rules.
Are there currency restrictions in different countries?
Currency restrictions apply due to local laws, international sanctions, and Swiss compliance requirements.
What types of transfers does the service support?
Domestic, international wire transfers, SEPA payments, internal transfers, and bill/payments.
Can transfers be made between service users?
Yes, transfers between PostFinance users are supported and processed instantly.
Are transfers to bank cards supported?
Transfer to bank cards is not standard; transfers are mainly to bank accounts.
Can money be transferred to bank accounts?
Yes, transfers to Swiss and international bank accounts are supported.
Is bill payment available?
Bill payments for utilities, taxes, insurance, and more are available via e-finance.
Are recurring payments supported?
Recurring payments can be set up for regular bills and subscriptions.
Can automatic transfers be set up?
Automatic scheduled transfers are available within e-finance.
Is payment scheduling available?
Payments can be scheduled in advance using digital banking features.
Are group payments supported?
Group/split payments are available via selected e-finance functions.
Can payment links be created?
Payment link generation is possible for invoice or request payments via merchant services.
What are the minimum transaction amounts in the service?
Minimum transaction amounts are typically CHF1; may vary by operation or destination.
What are the maximum amounts that can be transferred?
Maximum limits depend on account type, verification level, and operation, e.g., up to CHF250,000 for standard transfers.
Are there daily limits on operations?
Daily transaction limits apply based on account type, user verification, and risk settings.
What monthly and annual limits are in effect?
Monthly and annual limits vary; higher verification and business accounts have larger allowances.
Can limits be increased? How?
Limits can be increased upon request and after enhanced verification in line with Swiss regulations.
Do limits differ for verified users?
Higher verification levels allow for increased limits and expanded operations.
Are there restrictions for new accounts?
New accounts may have limited transfer and withdrawal capabilities until verification is complete.
Do special limits apply in different countries?
Transaction and currency limits depend on user residency and destination country regulations.
Can operations be temporarily blocked?
Transactions and accounts can be temporarily blocked due to suspicious activity, compliance review, or user request.
Are there limits on the number of daily operations?
A limit on daily transaction count exists for security and compliance; actual figures depend on account type.
What are the minimum amounts for account funding?
Minimum deposit amount is typically CHF1; may vary by funding method used.
What methods of funding are supported?
Supported funding methods include bank transfer, cash deposit at branches, salary payments, and internal transfers.
Are there fees for funding?
Most funding methods are free; fees may apply for some international or currency conversion deposits.
What are the minimum funding amounts?
Minimum amounts are generally CHF1; specifics depend on channel.
How quickly are funds credited when funding?
Swiss franc deposits are credited instantly or within the same business day; international transfers may take longer.
How can money be withdrawn from the system?
Withdrawals are possible via bank transfer, use of PostFinance Card at ATMs, and branch cash withdrawal.
Are there fees for fund withdrawal?
ATM withdrawals in Switzerland are typically free; fees may apply for international or large cash withdrawals.
How long does withdrawal take?
Swiss ATM withdrawals are instant; bank transfers within Switzerland are typically same-day; international transfers may take up to several days.
What withdrawal limits are set?
Withdrawal limits depend on account type, verification status, and channel; e.g. CHF2,000–3,000/day for ATMs.
How quickly are funds credited when funding with a card?
Card funding at Swiss ATMs is credited instantly; external card funding may take longer.
How long does a bank transfer take?
Domestic Swiss bank transfers are processed same-day; international may take 1–3 business days.
How quickly do cryptocurrency transfers arrive?
Crypto transfers processed via PostFinance partners generally arrive within minutes to hours, depending on network congestion.
Are transfers between users instant?
Yes, transfers between PostFinance accounts are instant.
Are there delays when funding on weekends?
Some funding (e.g., via bank transfer) may be delayed on weekends due to banking schedules.
Do holidays affect funding speed?
Swiss bank holidays can delay funding and transaction processing times.
Can crediting be accelerated for a fee?
Express processing for credits is not standard; high-priority processing may be available for business clients.
What determines the speed of funding processing?
Processing speed depends on method, cut-off times, regulatory reviews, and bank operating hours.
Are there notifications about funding status?
Customers receive real-time notifications via app, e-finance, email, or SMS.
What to do if funding takes too long?
Contact customer support with transaction details; initiate a trace or inquiry for delayed deposits.
How quickly are withdrawal requests processed?
Withdrawals by ATM are processed instantly; bank transfers usually within one business day.
How long does card withdrawal take?
Card withdrawals at ATMs are instant; branch cash withdrawals are subject to counter hours.
How quickly do bank transfers arrive?
Domestic Swiss transfers are typically same-day; international bank transfers may take 1–3 business days.
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawals are generally near-instant but depend on network congestion.
Are there withdrawal delays on weekends?
Withdrawals via bank transfer can be delayed on weekends due to processing hours.
Do holidays affect withdrawal speed?
Withdrawal processing may be delayed due to national holidays and non-business days.
Can withdrawal be accelerated for an additional fee?
Accelerated withdrawal is not standard; business clients may have priority handling.
What determines withdrawal processing time?
Withdrawal time is determined by type, regulatory review, cut-off times, and third-party banking processes.
Are there notifications about withdrawal status?
Real-time notifications are sent for withdrawal processing and confirmations.
Can a withdrawal request be canceled?
Withdrawal cancellation is possible before processing is completed; customer support must be contacted promptly.
How to register with the payment service?
Registration is completed online via the official PostFinance website or in-person at branches with identification.
What data is needed to create an account?
Users must provide full name, birthdate, address, identification documents, and contact details.
Can registration be done without email?
Registration requires a valid email address for notifications and e-finance access.
Is phone confirmation required during registration?
Phone confirmation may be requested for security; verification occurs via SMS or telephone.
Are there age restrictions for registration?
Minimum age requirement is typically 18 years for account holders.
Can a corporate account be created?
Businesses can open corporate accounts with commercial documentation and company identification.
Is it required to provide real data?
Real, verifiable identity and contact information are required, in line with Swiss AML/KYC laws.
Are there country restrictions for registration?
Registration is restricted to Swiss residents; foreigners may open accounts under specific circumstances.
How long does account activation take?
Account activation generally takes 1–3 business days following verification.
What verification levels exist?
Verification tiers include basic, advanced, and business verification with increasing documentation requirements.
What documents are required for basic verification?
Basic verification needs a valid Swiss or EU identification card or passport.
Are documents needed for full verification?
Enhanced verification includes proof of residence, business registrations, and financial documentation.
Are digital copies of documents accepted?
Digital uploads of documents are accepted via secure channels for verification.
How long does the verification procedure take?
Verification typically completes within 1–3 business days.
Can the service be used without verification?
Limited functionality may be available without verification, such as browsing, but transactions require verification.
What restrictions apply to unverified users?
Unverified users cannot make transfers, withdrawals, or access full payment and banking services.
Is address confirmation required?
Address confirmation is mandatory for account activation via submitted documentation.
Is a selfie with documents required?
For enhanced verification, a selfie or photo ID confirmation may be requested to comply with regulations.
How often do documents need to be updated?
Documents are updated upon expiration or upon request during periodic compliance reviews.
What encryption technologies does the service use?
The service uses SSL/TLS encryption, secure hashing algorithms, and multi-factor authentication methods.
Is two-factor authentication supported?
Two-factor authentication is supported for both e-finance and mobile app access.
Are there SMS confirmations for operations?
SMS confirmations are required for sensitive operations and transaction approvals.
Is biometric authentication supported?
Biometric login (Touch ID/Face ID) is supported on the mobile app for compatible devices.
Is blockchain technology used?
Blockchain technology is used for cryptocurrency transactions via partner integration, not for core banking operations.
Is there a multi-level security system?
The platform implements multi-layered security architecture, including firewalls, encryption, monitoring, and user verification.
How is user personal data protected?
Personal data are protected according to Swiss data protection laws, GDPR where applicable, and encrypted storage.
Is cold storage used for cryptocurrencies?
Cold storage is used for crypto holdings managed through trusted partners to ensure client asset security.
Is there DDoS attack protection?
DDoS protection systems safeguard web portals, servers, and mobile applications.
Are regular security audits conducted?
Security audits are conducted regularly according to internal policy and regulatory requirements.
What anti-phishing protection measures are provided?
The service provides anti-phishing notices, suspicious activity alerts, and digital security education.
Is there a suspicious activity detection system?
Automated systems monitor for suspicious transactions, unusual access, and compliance incidents.
How does the service combat money laundering?
AML is enforced through transaction monitoring, user verification, and reporting suspicious activity to authorities.
Is there blocking of suspicious accounts?
Accounts suspected of fraud or AML breaches can be suspended or blocked pending investigation.
What to do when fraud is detected?
Report suspected fraud to customer support immediately; accounts may be frozen while an investigation occurs.
How to report suspicious activity?
Suspicious activity is reported via secure contact channels, customer support hotline, or in-person at branches.
Is there compensation for damage from fraudsters?
Compensation follows regulatory guidance; clients may recover losses if reported swiftly and found eligible.
What user rights exist for disputed transactions?
Users have the right to dispute unauthorized transactions and request investigation according to banking law.
How to dispute account blocking?
Account blocking can be disputed through direct appeal to customer support and, if needed, via written complaint to compliance.
Is there insurance against cyber attacks?
Cyber attack insurance is not standard for users but institutional security and mitigation policies protect clients.
What fees does the service charge for transfers?
Domestic transfers are free; international transfers and currency conversions incur variable fees.
Are there fees for account funding?
Most CHF funding methods are free; fees may apply for some foreign currency or external funding.
Are fees charged for fund withdrawal?
Domestic ATM withdrawals are free; branch withdrawals and international transactions may have fees.
Are there fees for currency conversion?
Currency conversion fees apply and vary based on transaction amount and type.
Are there fees for account inactivity?
No standard account inactivity fees are charged for consumer accounts.
Are there account maintenance fees?
Standard account maintenance fees may be applicable; business accounts have higher fees.
Are fees charged for operation cancellation?
Fees for operation cancellation are uncommon but may apply to certain international transactions.
Are there hidden fees?
Fee structures are transparent; all charges are disclosed in official tariff schedules.
How are fees calculated for large amounts?
Fees for high-value transactions are tiered and depend on payment channel and destination.
Are there different tariff plans in the service?
Multiple tariff plans exist; users can choose personal or business tariff options.
What advantages does VIP status provide?
VIP accounts offer prioritized support, higher limits, and access to dedicated account managers.
How to get preferential conditions?
Preferential terms may be granted for VIP clients, large corporate accounts, and upon negotiation with relationship managers.
Are there free operations per month?
Personal accounts typically offer a number of free standard operations; excess usage may incur fees.
Are there discounts for active users?
Activity-based discounts are provided for business clients with high transaction volumes.
Are there corporate tariffs?
Corporate clients access specific tariffs with tailored pricing and services.
Can individual conditions be obtained?
Custom pricing may be negotiated for large businesses, VIP clients, or specialized merchants.
Do promotional codes work for fee reduction?
Promotional codes and offers occasionally reduce fees during campaigns.
Are there cashback programs?
Cashback is offered on selected merchant transactions and promotional activities.
Are there discounts for transaction volumes?
Volume-based discounts are available for business clients with high transaction turnover.
Is there an official mobile application?
An official PostFinance mobile app is available.
On which platforms is the application available?
The app is available for iOS and Android devices.
What functions are available in the mobile application?
Mobile app features include payments, transfers, bill payment, transaction history, notifications, and account management.
Does functionality differ from the web version?
Some advanced features may only be available via the web; core banking features are present on both platforms.
Is Touch ID/Face ID supported?
Touch ID and Face ID are supported on compatible iOS and Android devices.
Can the application work offline?
Offline usage is limited; most functions require internet connectivity for security and transaction processing.
Are there push notifications about operations?
Push notifications are provided for transactions, security events, and account updates.
Is dark theme supported?
A dark theme is supported in the latest versions of the mobile app.
How often is the mobile application updated?
The app is updated regularly, typically every few months, with security and feature enhancements.
Are there beta versions of the application?
Beta or preview versions for mobile are occasionally offered to select users for testing.
Is the web interface of the service convenient?
The PostFinance web interface is designed for clarity, usability, and accessibility.
Is responsive design supported?
The web interface is fully responsive for desktops, tablets, and smartphones.
In which languages is the interface available?
The interface is available in German, French, Italian, and English.
Is there a night mode for the website?
Dark mode/night theme is available for the web interface.
Are hotkeys supported?
Hotkey support is limited or undocumented; navigation is mainly via mouse and menu selection.
Can data be exported?
Account data, transaction history, and statements can be exported in standard file formats.
Is there an API for developers?
APIs for account integration and payment services are available to business customers and partners.
Is integration with other services supported?
Integration with accounting software, payment platforms, and fintech partners is supported.
How often is the web interface updated?
Updates occur regularly, with continuous improvements and security patches several times a year.
Are there virtual cards in the service?
Virtual card services for e-payments are available for selected business customers.
Can disposable cards be created?
Disposable/temporary card generation is not standard; only permanent cards are issued.
Is multi-currency account functionality supported?
Multi-currency accounts are offered for international businesses and specific user segments.
Are there investment products?
Investment products such as funds, savings accounts, and portfolios are offered.
Can interest be earned on balance?
Interest is earned on selected savings and investment account products per published rates.
Are there credit products?
Credit services such as consumer loans and mortgages are available to eligible customers.
Is P2P trading supported?
P2P trading is not supported; the platform focuses on regulated banking and payment services.
Can cryptocurrencies be bought/sold?
Customers can buy/sell cryptocurrencies (BTC, ETH) via partner systems, not direct platform trading.
Is there acquiring for business?
Business acquiring solutions for card payments, POS, and e-commerce are supported.
Are mass payouts supported?
Bulk/mass payout services are available for business clients.
Is there a loyalty program in the service?
Loyalty programs and rewards are offered through partnerships and selected campaigns.
How are bonus points earned?
Reward points are earned for certain transactions, card payments, or via merchant promotions.
Is there cashback for operations?
Cashback rewards are provided for selected payment methods and campaign activities.
Are there referral programs?
Referral incentives and campaigns are occasionally offered for new user sign-ups.
What privileges do VIP clients have?
VIPs receive priority support, dedicated managers, higher limits, and tailored solutions.
Are there seasonal promotions and offers?
Seasonal and thematic promotions are held for users, merchants, and business partners.
Can premium status be obtained?
Premium/VIP status requires qualification based on usage, relationship value, or fee tier.
Are there partner discounts?
Partner merchant discounts and benefits are offered through collaborations.
Are there corporate loyalty programs?
Business loyalty solutions and reward systems are available for corporate clients.
Does the service allow operations with online casinos?
Online casino transactions are generally not permitted due to Swiss regulatory restrictions.
Are there restrictions on gambling transactions?
Gambling transactions are closely monitored and typically restricted or blocked for compliance.
Can accounts be blocked for casino play?
Accounts can be suspended or restricted for illegal gambling or regulatory breaches.
How does the service view gambling?
Gambling transactions are treated with caution and subject to Swiss laws and risk assessments.
Are there special conditions for gambling?
No standard special conditions; all gambling-related transactions follow strict regulatory guidelines.
Are casino transactions tracked?
Such transactions are monitored for compliance and AML purposes.
Can operations with gambling sites be hidden?
Gambling-related payments are visible in account statements and cannot be hidden from compliance monitoring.
Are there notifications about gambling expenses?
Customers receive standard transaction notifications but not specific alerts for gambling transactions.
Are there special fees for gambling operations?
Standard fees apply; there are no special fees for gambling operations.
Can limits be set on gambling?
Spending limits on gambling transactions are managed through account limits and compliance controls.
Is there a self-exclusion function?
No direct self-exclusion function; users can request account blocks and gambling site blacklisting.
Can access to gambling sites be restricted?
Access to gambling sites is restricted by transaction monitoring and compliance controls.
Is gambling expense control supported?
Expense control tools for gambling are not standard; spending controls may apply via account limits.
Are there notifications about limit exceedance?
Users are notified when spending limits are exceeded for any transaction type.
Can operations with casinos be blocked?
Casino-related payments can be blocked to comply with Swiss laws and banking policies.
Is there gambling expense statistics?
Gambling expense analytics are not directly offered; users can review statements for spending.
Is a "cooling-off period" supported?
No direct cooling-off feature; users may request temporary account blocks for responsible gambling.
Can help be obtained for gambling addiction?
Users are directed to third-party Swiss organizations for gambling help and support.
Is there partnership with player assistance organizations?
PostFinance cooperates with Swiss gambling prevention organizations to offer client resources.
How to set up gambling expense notifications?
Set transaction alerts via the mobile app; specific gambling expense notifications are not standard.
Which online casinos accept this payment method?
Swiss-licensed casinos may support PostFinance, but acceptance varies; confirmation required with each operator.
Are there exclusive partnerships with specific casinos?
No exclusive casino partnerships are publicly listed for PostFinance payments.
Do conditions differ when used in different casinos?
Payment terms and limits may vary by casino and jurisdiction; check with the operator.
Are there special bonuses for using this method in casinos?
No standard bonuses are offered for PostFinance in casinos.
Can the method be used for both deposits and withdrawals in casinos?
Deposits may be supported in licensed Swiss casinos; withdrawals usually require bank transfer.
Are there geographic restrictions for casino usage?
Casino transaction support is limited to Switzerland per regulatory requirements.
How do casino operators typically process transactions from this method?
Transactions are processed via standard banking channels and subject to AML checks.
Are there typical processing times when used with casinos?
Casino-related bank transfers process within standard banking hours; instant for internal transfers.
Do casinos usually charge additional fees for this method?
Casinos may apply their own fees for banking transactions; check with the specific operator.
Are there any known compatibility issues with major casino platforms?
No major issues have been reported with Swiss-licensed casino platforms; international usage is restricted.