For businesses: small and medium-sized enterprises (SMEs) and startups.
0% up to a custom limit, after which a -1% negative interest rate applies. The limit above which a negative interest rate applies is set on a case-by-case basis (based on frequency of transactions, for example). In the worst case, the negative interest rate may be applied to the full account balance.
The rate of debit interest is 9.5% p.a.
Unlimited withdrawal options.
Visa Business Card: CHF 80 per card per year. Cash-back.
Nonrecurring costs of capital payment account for GmbH or AG: CHF 145.
Account management fee: CHF 60 per year.
Account opening: free of charge.
Close-out of account: free of charge.
Statements of account: electronically free of charge. Per mail CHF 3 per month for 1 statement of account plus postal fees.
Account closure: Yearly, free of charge.
Incoming payment (Switzerland): free of charge.
Electronic payment order (Switzerland): CHF: free of charge.
Electronic payment order (abroad): SEPA payments in Euro free of charge; other payments (non-SEPA) and currencies CHF 2 per payment.
Non-electronic payment order: depending on order type.
Permanent order: Execution (Switzerland in CHF) free of charge.
Payment by direct debit (LSV): free of charge.
Inpayment slips: up to 1000 p. per year free of charge.
PostFinance Card: CHF 30.
Purchases in Switzerland in CHF: free of charge.
Purchases in foreign currencies and abroad (with Travel Cash Card, no Maestro Card): CHF 1 per purchase, upload fee of 1.5%.
Cash withdrawal at ATMs of PostFinance: free of charge.
Cash withdrawal at ATMs of other banks in CHF: CHF 2.
Cash withdrawal abroad: CHF 5 and exchange rates.
Business account of PostFinance.