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POSTFINANCE -

Score

1.53 /10
Danger

POSTFINANCE

Switzerland

5-10 years

Suspicious Regulatory License

Global Business

High potential risk

https://www.postfinance.ch/en/private/support.html

Influence

AA

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Comparison

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Time Machine
Website

Score

Regulatory Index0.00

Business Index7.18

Risk Management Index0.00

Software Index4.00

License Index0.00

Time Machine
Website

Licenses

No valid regulatory information, please be aware of the risk

VPS Standard
No restriction on the broker account. Support service provided by WikiFX

Single Core

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40G

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Broker Information

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Company Name

POSTFINANCE

Company Abbreviation

POSTFINANCE

Platform registered country and region

Switzerland

Company website

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Company summary

Pyramid scheme complaint

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Warning: Low score, please stay away! 2
Previous Detection : 2025-06-25
  • It has been verified that this broker currently has no valid regulation. Please be aware of the risk!
  • The current information shows that this broker does not have a trading software. Please be aware!

WikiFX Verification

Data Source WikiFX Data provide
Updated: 2025-06-25
POSTFINANCE · Company summary
POSTFINANCE Review Summary
Founded1997
Registered Country/RegionSwitzerland
RegulationNot regulated
Market InstrumentsForex, Crypto, ETFs, Stocks, Index funds, Structured products
Demo Account❌
Trading PlatformE-finance (web), PostFinance App (iOS/Android), PostFinance EBICS App
Min DepositNot mentioned
Customer SupportHotline: +41 58 44814 14
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.

POSTFINANCE Information

Pros and Cons

Pros Cons
Offers a wide range of personal finance toolsNot regulated as a trading platform
Supports crypto, ETFs, and investment fundsNo leverage, spreads, or advanced trading tools (e.g. MT4/MT5)
Strong mobile and web-based banking accessNo 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).

Is POSTFINANCE Legit?

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

Is POSTFINANCE Legit?

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 InstrumentsSupported
Forex✅
Commodities❌
Crypto✅
CFD❌
Indexes✅
Stocks✅
ETF✅
What Can I Trade on POSTFINANCE?

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 TypeTarget GroupKey Features
Smart / SmartPlusAdults and couplesComplete banking package with accounts, cards, and e-finance
SmartYoung / SmartStudentsYouth up to 20 / Students up to 30Preferential terms, free account management, educational support
SmartKidsChildren up to 11Introductory financial tools for children
Private Account (CHF / EUR / FX)AdultsEveryday payments, pension, and international transactions in multiple currencies
Savings AccountAdultsSecure saving with interest
Youth / Student Savings AccountsChildren, youth, studentsHigher 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 / ProductInterest in CHFInterest in EURNotes
Savings Account0.10% (0.00% above CHF 50,000)0.10% (0.00% above EUR 50,000)Standard savings account
Youth Savings Account0.80% (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 Account0.01%–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 CurrencyNo interest–Multicurrency use
Gift Savings AccountNot listed–Special use account
Negative Balance Fee9.50% debit interest–Applies to overdrafts
POSTFINANCE Fees

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 PlatformSupportedAvailable DevicesSuitable for What Kind of Traders
E-finance✔Web (desktop browser)Everyday users managing personal or business banking online
PostFinance App✔iOS, AndroidMobile 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
Trading Platform

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

MethodMin. DepositFeesProcessing Time
Domestic Bank TransfersNot mentionedTypically freeSame day or next day
QR-bill / eBillNot mentionedFreeImmediate or same day
Standing Orders / Direct DebitNot mentionedFreeAs scheduled
SEPA Direct Debit (EUR Zone)Not mentionedMay vary (low cost)1–2 business days
International TransfersNot mentionedMay incur third-party fees1–5 business days
Card Payments (Debit/Credit)Not mentionedMay vary by providerInstant or within a day
Deposit and Withdrawal

User Reviews

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User comment

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Comments

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Robert Frost
6-12months
As someone starting to explore investment options, I appreciate the simplicity of the crypto and ETF plans. While the platform isn’t for active trading, it suits long-term investment goals and has reliable finance tools through the app.
As someone starting to explore investment options, I appreciate the simplicity of the crypto and ETF plans. While the platform isn’t for active trading, it suits long-term investment goals and has reliable finance tools through the app.
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2025-06-09 11:33
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Zorrosliceddice
6-12months
I’ve used PostFinance mainly for everyday finance management and found the account options quite user-friendly. The youth savings account offers up to 0.80% interest, which is better than most traditional banks in Switzerland.
I’ve used PostFinance mainly for everyday finance management and found the account options quite user-friendly. The youth savings account offers up to 0.80% interest, which is better than most traditional banks in Switzerland.
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2025-06-09 11:31
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