PostFinance AG products, services and reviews

About PostFinance AG

PostFinance AG is the retail-focused financial services unit of Swiss Post, headquartered in Bern, operating as a joint-stock company under Swiss banking supervision; it serves private and small-business customers with current accounts, payment services, cards, savings and term-deposit products, mortgages, basic investment and pension solutions, and a mix of branch and digital channels. The firm is a significant player in the Swiss retail market by customer numbers and transaction volumes, with a business model concentrated on payments and deposit-taking rather than investment banking or international wholesale activities. Its ownership and public-service remit have prompted recurring political and regulatory scrutiny about competitive neutrality and the appropriate scope of its activities, and the group has faced margin pressure from the low-rate environment while investing in digital platforms and partnerships to broaden its product set. Supervised under Swiss financial regulation, PostFinance presents a low-risk, domestically focused proposition for everyday banking needs but does not offer the full range of services or international reach of the country’s large universal banks.