Accounts and opening requirements
Sections ↑There is one principal e-trading relationship rather than an invented choice of commission tiers. The useful distinction is between individual orders, ETF savings instructions and fund subscriptions. All sit within the bank’s account, custody and availability rules.[1][2][5]
Reference table01
Ways to invest
| Attribute | Individual orders | ETF savings plan | Fund subscriptions |
|---|---|---|---|
| Purpose | Choose a security and submit an order | Repeat selected ETF investments | Subscribe to supported fundsSource 1Source 7Source 2 |
| Published dealing charge | Venue and trade-value tariff | 1%; minimum CHF/EUR/USD 1 | 1%; minimum CHF 20, maximum CHF 1,000Source 2 |
| Account relationship | PostFinance e-trading | Same e-trading custody relationship | Same relationship; instrument eligibility mattersSource 1Source 7 |
| Main distinction | Order and exchange rules | Recurring instruction; fractions where enabled | Subscription/redemption process, not exchange executionSource 4Source 2 |
Reference table02
Eligibility and opening
| Item | Published terms and practical effect |
|---|---|
| Standard applicant | Adult natural person domiciled in Switzerland, beneficial owner and not a US person under the stated account criteria.Source 1 |
| Banking prerequisites | A PostFinance private account and e-finance access are required for the retail online route.Source 1 |
| Companies | The described retail e-trading offer is not a corporate-account application.Source 1 |
| Joint relationship | Both partners enter the arrangement; the trading rules provide individual access even where other banking arrangements use collective signatures.Source 5 |
| Permission to trade | Opening does not turn the service into investment advice or an assessment that every product is suitable.Source 5 |
Products and platforms
Sections ↑Reference table03
Investments and platform boundaries
| Item | Published terms and practical effect |
|---|---|
| Securities | Shares, ETFs, bonds, funds and structured/exchange-traded products are described.Source 1Source 2 |
| Crypto-related products | An exchange-traded crypto security belongs to the e-trading offer; it is not the same service as direct crypto banking.Source 1 |
| Devices | Full browser access is complemented by investment functions in the PostFinance app.Source 1Source 4 |
| Charts | TradingView chart functionality is not evidence that a separate TradingView account can submit orders through this brokerage.Source 1 |
| Borrowing | The FAQ states that a Lombard loan is not available for e-trading.Source 4 |
| Fractions | ETF-plan fractions require the relevant activation. Selling the fractional balance uses a quantity instruction.Source 4Source 7 |
Trading fees and ongoing costs
Sections ↑Reference table04
Representative online orders
Reference table05
Holding and administrative charges
| Item | Published terms and practical effect |
|---|---|
| Custody | CHF 18 per quarter, charged at the start of the quarter. Closure does not generate a pro-rata refund.Source 1Source 4 |
| Brokerage credit | A CHF 18 quarterly trading credit offsets eligible brokerage; it is not cash to withdraw. Unused credit expires.Source 1 |
| Transfer out | CHF 108.10 per security, including the stated 8.1% VAT.Source 3 |
| Tax statement | CHF 97.30 under the published tariff; not the same as freely accessible ordinary transaction records.Source 3 |
| Fund redemption | The subscription schedule separately lists fund redemption without a redemption fee; external product costs can still matter.Source 2 |
| Custodian-change ambiguity | The website and PDF use different charging units for a custodian change. Obtain a quotation rather than assuming a flat charge for an entire portfolio.Source 2Source 3 |
Orders, execution and risk controls
Sections ↑Reference table06
Order and authority controls
| Item | Published terms and practical effect |
|---|---|
| Order families | The help material describes market, limit, stop, stop-limit, trailing and linked-order choices, subject to the venue.Source 4 |
| Partial executions | Unchanged parts executed on the same day are not separately charged as new orders under the tariff; changing the order can affect this treatment.Source 2 |
| No uncovered positions | The agreement prohibits uncovered short sales and insufficiently funded purchases. Corrective sales or purchases can be made to address a deficit.Source 5 |
| Power of attorney | A separate e-trading authorisation is required. A general banking power does not automatically give securities-trading authority.Source 5 |
| Revocation | Removing a person’s authority does not cancel orders already in the market. Check those instructions separately.Source 5 |
| Execution limits | A stop trigger or online acknowledgement does not guarantee the final price or completion of cancellation.Source 5 |
Deposits, withdrawals and transfers
Sections ↑Reference table07
Funding, reserves and transfers
| Item | Published terms and practical effect |
|---|---|
| Funding route | Use the e-trading Transfer function and the associated bank relationship rather than treating portfolio value as cash.Source 4 |
| Order reserve | Pending orders reduce available funds. For specified foreign-currency situations an additional 1% reserve is described; it is not labelled as a 1% conversion fee.Source 4 |
| Incoming custody transfer | Use the bank’s transfer form and correct contract identifier; securities may arrive in stages.Source 8 |
| Transfer-cost reimbursement | The published programme reimburses evidenced incoming transfer costs up to CHF 800. Payment follows submission and processing; it is not an unconditional deposit bonus.Source 8 |
| Closing | Sell or transfer investments, settle obligations and send the closure request by the stated written/authenticated route.Source 4Source 5 |
| Foreign custody | A foreign market’s custodian and local law can affect transfer mechanics and delivery.Source 6 |
Regulation, custody and protection
Sections ↑Reference table08
Banking, custody and compensation scope
| Item | Published terms and practical effect |
|---|---|
| Regulated bank | PostFinance appears in the reviewed FINMA bank list. The downloaded list’s own date is retained in the evidence notes.Source 10 |
| Who holds the relationship | PostFinance is the customer-facing bank. Swissquote provides technology/execution support; this is not two independent deposit guarantees on one balance.Source 1Source 5 |
| Deposits | The Swiss scheme protects eligible deposits up to CHF 100,000 per client per bank, subject to its rules.Source 11Source 12 |
| Investments | The deposit limit is not insurance of the market value of shares, funds or structured products.Source 12Source 6 |
| Subcustody | Securities can be held through domestic or foreign third parties and collective arrangements; foreign custody carries local-law limitations.Source 6 |
Support and account administration
Sections ↑Reference table09
Practical assistance
| Item | Published terms and practical effect |
|---|---|
| Order desk | +41 58 448 79 00; Monday–Friday, 08:00–22:00 Swiss local time under the published tariff.Source 3 |
| General e-trading assistance | +41 58 448 78 00; the tariff gives a shorter 08:00–18:00 weekday window.Source 3 |
| Service outage | Use the documented assistance/order route. A failed screen does not prove an order failed, so reconcile existing instructions before replacing them.Source 4Source 5 |
| Secure contact | Use e-finance, authenticated chat or the published written process for account-specific requests.Source 9Source 8 |
| Closure and document access | Download necessary records before closing. Permanent online access after termination was not established.Source 4Source 6 |
Research, reporting and additional services
Sections ↑Reference table10
Recurring investment and reporting
| Item | Published terms and practical effect |
|---|---|
| Plan frequency | The FAQ describes weekly, fortnightly, monthly, every-two-months and quarterly scheduling, subject to the selected plan.Source 4 |
| Changing a plan | Plan instructions and the holding already purchased are separate; ending a schedule is not a sale of existing units.Source 7Source 4 |
| Digital documents | Trade confirmations, credits/debits and account records are available through the Documents area; corporate-action records have their own view.Source 4 |
| Tax records | A priced tax statement is an optional service, not a guarantee of tax treatment in another residence jurisdiction.Source 3 |
| Automated authority | A recurring purchase is a defined customer instruction. No general-purpose autonomous AI execution service was established.Source 7Source 5 |
Company identity and evidence
Sections ↑The comparison uses PostFinance’s current linked product pages, its January 2026 tariff and the e-trading/custody conditions. A policy conflict is retained where the web and PDF charging units differ. This profile is a documentary review, not a test of account approval, execution, phone responsiveness or payment delivery.[1][3][5][6]
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
PostFinance Ltd / PostFinance AG
No separate licence entry is recorded in this panel.
Sources & further reading
- e-trading account and eligibility PostFinance e-trading · Accessed 13 Oct 2026
- Brokerage and other charges PostFinance e-trading · Accessed 13 Oct 2026
- e-trading tariff: January 2026 PostFinance e-trading · Accessed 13 Oct 2026
- e-trading operational FAQ PostFinance e-trading · Accessed 13 Oct 2026
- e-trading participation conditions PostFinance e-trading · Accessed 13 Oct 2026
- Custody regulations PostFinance e-trading · Accessed 13 Oct 2026
- ETF savings plans PostFinance e-trading · Accessed 13 Oct 2026
- Transferring a custody account PostFinance e-trading · Accessed 13 Oct 2026
- Secure banking guidance PostFinance e-trading · Accessed 13 Oct 2026
- Authorised banks and securities firms FINMA · Accessed 13 Oct 2026
- Deposit-protection bank lookup esisuisse · Accessed 13 Oct 2026
- Swiss deposit protection system esisuisse · Accessed 13 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.