POSTFINANCE Forex Broker

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 chatPOSTFINANCE 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.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 accountsIs 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). According to the WHOIS domain lookup, the domain postfinance.ch was registered on July 8, 1997, and its current status is active.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✅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 saversPOSTFINANCE 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 overdraftsTrading 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 tradersDeposit 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