POSTFINANCE Spreads, leverage, minimum deposit Revealed

WikiFX | 2025-04-23 18:25

Abstract：PostFinance offers secure forex, CFD and crypto trading. It is licensed by global authorities with low spreads and demo account.

POSTFINANCE Review Summary
Founded	1997
Registered Country/Region	Switzerland
Regulation	Not regulated
Market Instruments	Forex, Crypto, ETFs, Stocks, Index funds, Structured products
Demo Account	❌
Trading Platform	E-finance (web), PostFinance App (iOS/Android), PostFinance EBICS App
Min Deposit	Not mentioned
Customer Support	Hotline: +41 58 44814 14
Customer Support	Online chat

POSTFINANCE Information

　　POSTFINANCE is a Swiss-based financial institution offering personal banking, savings, investment products, and insurance solutions. While it provides ETF and crypto plans, it lacks features of a traditional online trading broker such as leverage, spreads, and demo trading.

Pros and Cons

Pros	Cons
Offers a wide range of personal finance tools	Not regulated as a trading platform
Supports crypto, ETFs, and investment funds	No leverage, spreads, or advanced trading tools (e.g. MT4/MT5)
Strong mobile and web-based banking access	No demo or Islamic trading accounts

Is POSTFINANCE Legit?

　　No, POSTFINANCE is not regulated as a forex or CFD broker in Switzerland, its registered country. It also lacks licenses from major financial regulators such as the FCA (UK), ASIC (Australia), CySEC (Cyprus), or NFA (US).

　　According to the WHOIS domain lookup, the domain postfinance.ch was registered on July 8, 1997, and its current status is active.

What Can I Trade on POSTFINANCE?

　　POSTFINANCE provides access to diversified investment options such as forex, fund savings plans (from CHF 20), crypto savings plans (from $50), ETFs, and individual stocks.

Tradable Instruments	Supported
Forex	✅
Commodities	❌
Crypto	✅
CFD	❌
Indexes	✅
Stocks	✅
ETF	✅

Account Types

　　POSTFINANCE provides several banking packages and accounts suited to various life phases and requirements. There are no trading-specific live accounts, demo accounts, or Islamic (swap-free) accounts mentioned. Rather than for trading, the organization offers banking packages that fit personal financial and savings requirements.

Account Type	Target Group	Key Features
Smart / SmartPlus	Adults and couples	Complete banking package with accounts, cards, and e-finance
SmartYoung / SmartStudents	Youth up to 20 / Students up to 30	Preferential terms, free account management, educational support
SmartKids	Children up to 11	Introductory financial tools for children
Private Account (CHF / EUR / FX)	Adults	Everyday payments, pension, and international transactions in multiple currencies
Savings Account	Adults	Secure saving with interest
Youth / Student Savings Accounts	Children, youth, students	Higher interest, free management, suited for early-stage savers

POSTFINANCE Fees

　　POSTFINANCE's fee and interest structure is relatively low to moderate compared to standard retail banking benchmarks in Switzerland and Europe. Savings and youth accounts offer some interest benefits, while standard private accounts have no interest returns. Especially for consumers with good credit, mortgage rates are reasonable.

Account Type / Product	Interest in CHF	Interest in EUR	Notes
Savings Account	0.10% (0.00% above CHF 50,000)	0.10% (0.00% above EUR 50,000)	Standard savings account
Youth Savings Account	0.80% (0.10% above CHF 25,000 / 0.00% > CHF 50K)	0.80% (0.10% above EUR 25,000 / 0.00% > EUR 50K)	Up to age 20
Retirement Savings (3a)	0.30%	–	Tax-advantaged savings
Vested Benefits Account	0.01%	–	For retirement asset preservation
Private Account (CHF/EUR)	0.00%	0.00%	No interest offered
Youth Account (up to age 20)	0.25% (0.00% above CHF/EUR 25,000)	0.25% (0.00% above CHF/EUR 25,000)	Daily banking account
Student Account (18–30)	0.25% (0.00% above CHF/EUR 25,000)	0.25% (0.00% above CHF/EUR 25,000)	Includes credit card, no fees
Private Account in Foreign Currency	No interest	–	Multicurrency use
Gift Savings Account	Not listed	–	Special use account
Negative Balance Fee	9.50% debit interest	–	Applies to overdrafts

Trading Platform

　　POSTFINANCE offers its own digital banking tools rather than conventional trading platforms. Clients can access and manage their finances 24/7 through e-finance (web-based) and the PostFinance App available on iOS and Android. For business users, the PostFinance EBICS App supports technical integrations and payment processing.

Trading Platform	Supported	Available Devices	Suitable for What Kind of Traders
E-finance	✔	Web (desktop browser)	Everyday users managing personal or business banking online
PostFinance App	✔	iOS, Android	Mobile users needing 24/7 access to banking and investments
PostFinance EBICS App	✔	iOS, Android (for businesses)	Business clients using automated and secure data exchange
MetaTrader / TradingView	❌	–	Not supported – no traditional trading platforms for traders

Deposit and Withdrawal

　　POSTFINANCE does not explicitly mention charging fixed deposit or withdrawal fees on its consumer-facing services. However, international and currency-related transactions may involve third-party or processing fees. The platform does not specify a strict minimum deposit or minimum withdrawal amount for regular account services.

Deposit & Withdrawal Methods

Method	Min. Deposit	Fees	Processing Time
Domestic Bank Transfers	Not mentioned	Typically free	Same day or next day
QR-bill / eBill	Not mentioned	Free	Immediate or same day
Standing Orders / Direct Debit	Not mentioned	Free	As scheduled
SEPA Direct Debit (EUR Zone)	Not mentioned	May vary (low cost)	1–2 business days
International Transfers	Not mentioned	May incur third-party fees	1–5 business days
Card Payments (Debit/Credit)	Not mentioned	May vary by provider	Instant or within a day