PostFinance bitcoin trading inside your Swiss bank

Swiss angle

PostFinance AG appears as a bank, seated in Bern, on the FINMA list of authorised banks and securities firms, read on 4 October 2026, so it is a FINMA-licensed bank. Its own organisation page describes it as a fully owned subsidiary of Swiss Post, regulated by FINMA and licensed under the Banking Act. The crypto product sheet (document 460.380 en, May 2026) gives the address as Mingerstrasse 20, 3030 Bern.

PostFinance sells crypto only to existing customers in Switzerland. The crypto trading page, read on 4 October 2026, asks for a PostFinance account, a Swiss (tax) domicile, and a Swiss ID card, Swiss passport, or a B, C or C1 residence permit. You open a crypto portfolio in e-finance or the PostFinance App, and the bank debits fees from your PostFinance reference account, according to the product sheet.

You can start small. The crypto trading page, read on 4 October 2026, sets a USD 50 minimum per order and lets a saving plan run weekly, monthly, every two months or quarterly from USD 50. On top of the trading fee, the same page charges a portfolio fee of 0.15% a year, excluding VAT, from the first franc you hold.

Your coins stay at the bank. The product sheet lists transfer (send and receive) as "not currently available", and the crypto trading page says you trade without setting up a wallet yourself. Tax gets simpler as a result: the same page says PostFinance sends an annual overview of your digital assets for your tax return. You still enter the year-end value in the wealth tax section; the Swiss Bitcoin tax guide shows where.

Who it is for

Swiss residents who already bank with PostFinance and want a small bitcoin position next to their savings. You need no new account or app, and the bank sends the tax overview.

Savers who like a fixed schedule. A saving plan from USD 50, as set on the crypto trading page as of 4 October 2026, covers the monthly case that the dollar-cost averaging guide describes.

Who it is not for

Anyone who wants to hold their own keys or move coins to a hardware wallet one day. The product sheet lists transfers as not available, so your only way out is a sale. The self-custody guide explains why that matters to some holders.

Cost-sensitive buyers. The crypto trading page, read on 4 October 2026, charges a 0.95% trading fee from the first dollar on buys and sells, and the yearly portfolio fee comes on top.

People without a Swiss domicile or a PostFinance account cannot open the service at all. For other Swiss routes, see how to buy bitcoin in Switzerland.