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Old 13.10.2018, 11:33
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Postfinance done with free accounts

Now that postfinance showed the middle finger to small time savers I'm considering to return them the favor

Which bank are you switching to next year? Any good ones with euro accounts?
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Old 13.10.2018, 11:45
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Re: Postfinance done with free accounts

i am with bank cler online banking, the fee is only 2 sfr a month.
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Old 13.10.2018, 11:59
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Re: Postfinance done with free accounts

I'm with

https://sparkasse-dielsdorf.ch/de/
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Old 13.10.2018, 12:10
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Re: Postfinance done with free accounts

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Now that postfinance showed the middle finger to small time savers I'm considering to return them the favor

Which bank are you switching to next year? Any good ones with euro accounts?
It's quite disappointing, but at least their joint account is still better than the competitors with that price, and e-banking is slightly easier to use.
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Old 13.10.2018, 18:07
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Re: Postfinance done with free accounts

Anyone know if it's possible to cancel an account for free due to the new charges?

I recently opened an account with PF in order to change from UBS (as they charge a monthly fee) - turned out to be a disaster!
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Old 13.10.2018, 18:14
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Re: Postfinance done with free accounts

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Anyone know if it's possible to cancel an account for free due to the new charges?

I recently opened an account with PF in order to change from UBS (as they charge a monthly fee) - turned out to be a disaster!
What should they charge you for in the first place? I once changed from UBS to PF and don't remember paying any cancellation charges or things like that.

Last edited by higgsboson; 13.10.2018 at 19:55.
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Old 13.10.2018, 18:27
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Re: Postfinance done with free accounts

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It's quite disappointing, but at least their joint account is still better than the competitors with that price, and e-banking is slightly easier to use.
It seems that if you have more than 25.000 CHF invested in funds (including retirement funds if 3rd pillar) it will continue being free...
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Old 13.10.2018, 18:29
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Re: Postfinance done with free accounts

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What should they charge you for in the first place? I once changed from UBS to PF and don't remember paying any cancellation charges or things like that?
OK cool... in that case, I'll cancel my new PF account and stay with UBS

Thanks!
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Old 13.10.2018, 18:29
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Re: Postfinance done with free accounts

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It seems that if you have more than 25.000 CHF invested in funds (including retirement funds if 3rd pillar) it will continue being free...
I believe they charge the 'usual' crazy 1.7% p/a fees for their funds so they'll easily make more than a measly 5CHF a month :P
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Old 13.10.2018, 18:38
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Re: Postfinance done with free accounts

Any good/bad experiences with Crédit Agricole next bank and Migros who seem to still have free accounts?

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i am with bank cler online banking, the fee is only 2 sfr a month.
But that's not free

30 Fr for Maestro card. And if I want a second one for euro account, it's same price as postfinance

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It seems that if you have more than 25.000 CHF invested in funds
Sucky funds that'll cost you more than 60 CHF per year one way or another

Last edited by ivank; 13.10.2018 at 18:48.
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Old 13.10.2018, 19:04
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Re: Postfinance done with free accounts

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Now that postfinance showed the middle finger to small time savers I'm considering to return them the favor

Which bank are you switching to next year? Any good ones with euro accounts?
I use this bank

www.underthepillow.ch
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Old 13.10.2018, 19:44
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Re: Postfinance done with free accounts

I also got the letter yesterday informing about the above.

Is that a negative inflation rate (deflation) or simply not enough in the institutional coffers to pay bank employees their fat salaries?

Soon we should ask our employers to pay us only in cash.
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Old 13.10.2018, 19:45
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Re: Postfinance done with free accounts

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Now that postfinance showed the middle finger to small time savers I'm considering to return them the favor

Which bank are you switching to next year? Any good ones with euro accounts?
Tell me a 'bank' that is cheaper than PF even with their new charges?
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Old 13.10.2018, 19:47
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Re: Postfinance done with free accounts

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I also got the letter yesterday informing about the above.

Is that a negative inflation rate (deflation) or simply not enough in the institutional coffers to pay bank employees their fat salaries?

Soon we should ask our employers to pay us only in cash.
They have to pay alot back because of their fraud with postauto a few months back. So they are now getting back at the customers. You should close your account
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Old 13.10.2018, 19:57
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Re: Postfinance done with free accounts

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OK cool... in that case, I'll cancel my new PF account and stay with UBS

Thanks!
Check with them. There most probably is a notice date. I may have been lucky or just charged without realising. Anyway it took a few months from opening the new account to closing the old one.
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Old 13.10.2018, 20:01
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Re: Postfinance done with free accounts

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Tell me a 'bank' that is cheaper than PF even with their new charges?
There is no such a straightforward answer to this question. One needs to evaluate one’s personal circumstances in terms of e.g. age, what package is for one suitable and how frequently one uses CC, savings account, 3a Pillar account and so on and so forth. Horses for courses. What could be worthwhile though is to check one’s own calculations based on one’s savings by using a tool:

https://www.moneyland.ch/en/bankingPackage/list
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Old 13.10.2018, 20:11
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Re: Postfinance done with free accounts

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Tell me a 'bank' that is cheaper than PF even with their new charges?
Migros?
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Old 13.10.2018, 20:15
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Re: Postfinance done with free accounts

More important question is if they are also willing to adjust an interest rate on savings account which already seats at 0.0% in order to ease the pain. Even mediocre positive bugger all move would do
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Old 13.10.2018, 20:18
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Re: Postfinance done with free accounts

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Tell me a 'bank' that is cheaper than PF even with their new charges?
ZKB says 12 CHF per year. Is there a catch? :/
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Old 13.10.2018, 20:20
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Re: Postfinance done with free accounts

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ZKB says 12 CHF per year. Is there a catch? :/
They want an extra 40 CHF for the debit card
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