In Switzerland, consumers have typically been limited to withdrawing cash at bank tellers or at automated teller machines (ATMs). But depending on which bank or credit card you use, it is now possible to make cash withdrawals at many Swiss supermarkets and other retail outlets. This provides a convenient alternative to visiting a bank or ATM.
Postfinance and Migros Bank driving innovation
Postfinance customers can use their Postfinance debit card to make fee-free cash withdrawals at all Post office and SBB/CFF counters as well as at the tills of Migros, Manor, Spar, Denner, Coop Pronto and (some) Migrolino stores. Only Postfinance debit cards are eligible for these no-fee withdrawals at the till. Postfinance credit cards are not eligible for fee-free cash advances.
Migros Bank customers can use their debit card (which doubles as an M-Card) to withdraw money at the tills of all Migros and Denner supermarkets and at some Migrolino and VOI stores free of charge.
Migros Cumulus Mastercard credit card holders can get cash advances at the tills of Migros supermarkets without paying any cash advance fees.
Customers of other banks cannot normally make cash withdrawals at the tills of retail outlets. However, it is technically possible to charge a debit card and get cash back, and some merchants may do this upon request.
Cash via apps
Although mobile payments have been a hype in recent years, getting cash at store tills typically still requires the use of a debit cards (a Maestro card or Postfinance card, for example). Twint, the mobile wallet offered by Swiss banks, cannot be used to withdraw money.
The one exception to the rule is the Sonect app, which enables fee-free cash withdrawals at the tills of K kiosks and Press & Books stores across Switzerland. Sonect can be linked to any Swiss credit card, but a direct link to a bank account is only possible for Postfinance and Hypothekarbank Lenzburg customers.
Cash withdrawals at Migros stores
You can withdraw money at Migros stores free of charge using a Postfinance debit card, a Migros Bank Maestro debit card or a Migros Cumulus Mastercard from Cembra Money Bank.
Cash withdrawals at Migrolino stores
Migrolino convenience stores generally open early and close late, and are also open on weekends. You can withdraw money at most Migrolino stores using a Postfinance debit card or a Migros Bank Maestro debit card. This applies to both stand-alone Migrolino stores and Migrolino stores at Migrol gas stations. Cash withdrawals are not possible at the Migrolino stores found at Shell, Socar and Piccadilly gas stations.
Cash withdrawals at Coop tills
Switzerland’s second largest retailer does not currently provide cash withdrawal services at its supermarkets. But there is an exception to this rule: At Coop stores which double as post office agencies, you can withdraw cash using a Postfinance debit card.
Cash withdrawals at Coop Pronto stores
Unlike Coop supermarkets – most of which do not provide cash withdrawal services – Coop Pronto convenience stores do offer this option. Coop Pronto stores typically have very convenient opening hours and locations (near train stations and gas stations). You can make fee-free cash withdrawals between 50 and 300 Swiss francs at Coop Pronto stores using a Postfinance debit card.
Cash withdrawals at Denner
You can use a Postfinance debit card or a Migros Bank Maestro debit card to make fee-free cash withdrawals at all Denner supermarkets.
Cash withdrawals at Aldi and Lidl
German discount retailers Aldi and Lidl do not currently offer cash withdrawals at the tills of their stores in Switzerland. In Germany, Aldi and Lidl customers can withdraw cash at the till using any German debit card from any German bank completely free of charge.
Cash withdrawals at Spar
You can withdraw cash at the tills of Spar supermarkets in Switzerland free of charge using a Postfinance debit card.
Cash withdrawals at Volg
You can withdraw cash at Volg stores using the Sonect app. If you have an account at PostFinance or Hypothekarbank Lenzburg, you can link the app to your account. Alternatively, you can link the Sonect app to your credit card. Note: Depending on the credit card you use, you may be charged fees by your card issuer. Some Volg stores double as post office agencies, and you can withdraw cash at these stores using a PostFinance debit card.
Cash withdrawals at Manor
You can use a Postfinance debit card to withdraw cash without paying a fee at Manor stores. It is also possible to get cash advances at Manor using a myOne store card, but you pay a cash advance fee equal to 3.5% of the cash advance, with a minimum fee of 5 francs.
Cash withdrawals at kiosks
As of November 26. 2018, customers of K kiosks and Press & Books stores can make fee-free cash withdrawals at those stores using the Sonect app. The app can be linked to an account at Postfinance or the Hypothekarbank Lenzburg, or it can be linked to a credit card.