Is PostFinance crypto friendly?
Yes. PostFinance sells, holds and stakes crypto in its own app, but only for Swiss residents and with no way to move coins to your own wallet.
CBL Score: 9 of 16
| Criterion | Score | Source |
|---|---|---|
| Accepts exchange transfers | partial (1) | source · checked 8 September 2026 secondary source |
| Stablecoin off-ramp | partial (1) | source · checked 8 September 2026 |
| Business accounts for Web3 | no (0) | source · checked 8 September 2026 |
| Custody | yes (2) | source · checked 8 September 2026 |
| Staking and yield | yes (2) | source · checked 8 September 2026 |
| Card | partial (1) | source · checked 8 September 2026 |
| Multiple jurisdictions | no (0) | source · checked 8 September 2026 |
| Open to retail | yes (2) | source · checked 8 September 2026 |
Total 9 of 16. Yes scores 2, partial 1, no 0. A secondary source is press or a third party rather than the bank or its regulator. Unverified means no source could be found; the score stands until one is.
Score history
Scores are revised when a bank's documents change. Each revision is dated and sourced.
| 8 September 2026 | Card | no to partial | source |
Standing
| Jurisdiction | Switzerland |
| Type | Traditional |
| Health tag | Solid Wholly state-owned and systemically important in Switzerland. · checked 26 August 2026 |
| P2P tolerance | Mixed Sells crypto in-app since 2024 and tolerates own-name exchange transfers; Swiss banks generally demand source-of-funds proof on inbound exchange money. · community-reported, separate from the score |
| Last verified | 8 September 2026 |
If they close your account
Closure policy: Partial
| Notice | No fixed notice period. Clause 19(a) of the General Terms and Conditions says the relationship runs for an indefinite term and either party may terminate in writing at any time. Clause 13 lets PostFinance restrict services or terminate the relationship with immediate effect for legal, regulatory, sanctions, compliance or security reasons. |
| Reasons given | By category only (terms breach, security risk, missing documents) |
| Access to funds | Clause 19(a): on termination the customer must, on request, tell PostFinance where to transfer assets and credit balances. If the customer fails to do so after a reasonable grace period, PostFinance may liquidate, deposit or deliver the assets or send the proceeds to the last known address, at the customer's expense. |
| Appeal | No internal appeal is stated. Clause 21 says the customer may contact the Swiss Banking Ombudsman for mediation before going to court. Place of jurisdiction is Bern. |
| Names crypto as a ground for closure | no |
Sources: PostFinance General Terms and Conditions (August 2024), clauses 13, 19 and 21 · official, checked 23 September 2026
PostFinance documents for private customers (GTC download page) · official, checked 23 September 2026
A closure usually starts as a freeze. The Frozen Account Survival Kit covers the first 48 hours. Every bank side by side: which banks tell you why they closed your account.
What PostFinance allows and blocks
Allowed
- Buying and selling 22 cryptocurrencies in e-finance and the PostFinance App, from 50 US dollars per order
- USDC, added in February 2026, can be bought and sold in-app like any other listed coin
- Custody in a PostFinance crypto custody account, with keys held in Switzerland by Sygnum
- Ethereum staking from 0.1 ETH, with rewards credited to the account
- Crypto saving plans that buy automatically from 50 US dollars
- Joint accounts and Swiss business customers can trade, hold and stake since May 2026
- A free PostFinance Card (Debit Mastercard) comes with the private account, and credit cards are available
Blocked or restricted
- No deposits from or withdrawals to an external wallet. Coins stay inside the PostFinance custody account
- No published policy on fiat transfers to or from crypto exchanges. A third-party guide reports CHF transfers to regulated exchanges are not blocked
- Crypto trading requires Swiss tax domicile plus a Swiss ID, passport or B, C or C1 permit
- Accounts are for people resident in Switzerland. Customers who move abroad pay CHF 25 per month extra per payment account
- No mention of accounts for crypto exchanges, VASPs or token issuers. The business offer is for Swiss companies that want to invest
- USDT is not on the list. USDC is the only stablecoin offered
- Staking is Ethereum only so far
Opening an account
- You must be of legal age and live in Switzerland to open a private account in CHF. Identity is checked at a branch or by video chat, and the online form takes about ten minutes.
- Crypto trading is switched on inside an existing account. It needs Swiss tax domicile and a valid Swiss ID, passport or a B, C or C1 residence permit.
- Accounts come in banking packages: Smart at CHF 5 per month and SmartPlus at CHF 10 per month. CHF 25,000 or more in invested assets, a mortgage or life insurance takes CHF 5 off.
- Customers resident abroad pay an extra CHF 25 per payment account per month. PostFinance has charged non-residents a surcharge since 2015.
- Crypto orders start at 50 US dollars. There is no minimum balance for the custody account.
Fees that matter
- Trading fee 0.95% per order, falling to 0.75% above USD 250,000 and 0.55% above USD 1 million. Orders are priced in US dollars.
- Custody fee 0.15% per year, 0.10% above CHF 500,000 and 0.05% above CHF 1 million.
- Staking fee is 20% of rewards, with a minimum of USD 1 per quarter.
- Account package CHF 5 or CHF 10 per month. No crypto withdrawal fee exists because withdrawals to external wallets are not offered. The CHF to USD conversion margin on crypto orders is not published on the crypto page.
Regulatory history
| 2013 | FINMA's licence for PostFinance Ltd to operate as a bank and securities dealer entered into force on 26 June 2013, after a conditional licence in December 2012 and the spin-off from Swiss Post. source |
| 2015 | The Swiss National Bank designated PostFinance systemically important by decree, published 1 September 2015 after a decision of 29 June 2015, bringing tougher capital, liquidity and emergency planning rules. source |
| 2024 | Retail crypto trading and custody launched on 21 February 2024 with Sygnum, followed by Ethereum staking in January 2025, six more coins including USDC in February 2026, and business customers in May 2026. No FINMA enforcement action against PostFinance was found. source |
See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.
Questions about PostFinance
Does PostFinance let me send money to Kraken or Coinbase?
PostFinance publishes no rule on transfers to crypto exchanges. A third-party guide reports that CHF transfers to regulated exchanges are not blocked and that larger inbound amounts from exchanges can trigger questions. Treat it as tolerated rather than promised, and keep proof of where the money came from.
Can I withdraw crypto from PostFinance to my own wallet?
No. Coins bought through PostFinance stay in the PostFinance crypto custody account, with keys held in Switzerland by Sygnum. There is no deposit from or withdrawal to an external wallet. To self-custody you would sell, move the fiat to an exchange and buy again.
What does PostFinance charge for crypto?
Trading costs 0.95% per order, dropping to 0.75% above USD 250,000 and 0.55% above USD 1 million. Custody costs 0.15% a year, less on larger holdings. Staking takes 20% of rewards with a minimum of USD 1 per quarter. On top of that you pay the normal banking package, CHF 5 or CHF 10 a month.
Which coins can I buy and stake at PostFinance?
There are 22 coins, including Bitcoin, Ethereum, Solana, XRP, Cardano, Polkadot, Chainlink and the stablecoin USDC, which arrived in February 2026. Staking is Ethereum only, from 0.1 ETH. PostFinance says more staking coins are planned but has not named them.
Closest alternatives
Yes, with fenced on-chain flows: crypto comes in only from six named exchanges or your own wallet, and never goes out to an exchange.6/16Zürcher Kantonalbank
Yes for buying and holding crypto inside the bank, but nothing moves in or out.