Life is the prepaid credit card from Swiss Bankers for everyday use. With our prepaid card, you alone determine what your budget is. You can add credit as needed, pay securely worldwide and always have your expenses and budget under control.
OutletsYou can use the reloadable Mastercard like a credit card to pay at more than 40 million merchant locations and to inexpensively withdraw cash from about 2 million ATMs worldwide. In many shops you can make convenient contactless payments.
The card is accepted by all online shops: Ideal for people who do not have a credit card or prefer not to use it online.
The reloadable Mastercard gives you full control over your expenses: You can only spend the amount you have loaded onto your card.
The card is very easy to obtain at your bank. Load funds from your giro account onto the card, and when they are spent, simply reload your card. The amount is credited to your card account within an hour so that you can make secure payments worldwide and online and withdraw cash from ATMs at once.
No fees are charged for loading your card. Neither are any fees charged by Swiss Bankers for payments in shops or online. Only cash withdrawals at ATMs are charged EUR, USD, or CHF 5,00 per transaction (depending on card currency). For the card service, an annual fee of only EUR, USD, or CHF 45,00 (depending on card currency) is charged in addition to the load amount when loading the card for the first time and deducted from your card balance every subsequent year.
The card is issued by Swiss Bankers Prepaid Services (Liechtenstein) Ltd, a subsidiary wholly owned by Swiss Bankers Prepaid Services Ltd. Swiss Bankers Prepaid Services Ltd holds a banking license and is the leading issuer of reloadable credit cards in Switzerland. Your card balance is protected. If lost or stolen, your card and your credit balance will immediately be replaced.
Swiss Bankers charges no fees for payments in shops or online.
An ATM withdrawal costs EUR, USD or CHF 5,00 (depending on card currency).
The annual fee is only EUR/USD/CHF 45,00 (depending on card currency and distribution partner) and is charged in addition to the load amount when the card is loaded for the first time. In the following years, the annual fee is charged to the card account directly.
Within Germany, replacement cards are issued and delivered free of charge. Outside Germany, a fee of EUR/USD/CHF 50,00 is charged.
In some cases, ATM operators or vendors of goods and services charge fees on cash withdrawals or payments, respectively. Swiss Bankers has no influence on these fees, which are not only charged on the reloadable Mastercard but on all credit cards, prepaid credit cards and Maestro cards of any card issuer.
The latest security technologies protect against misuse. You can optionally block and reactivate your card for Internet purchases, contactless payment or certain countries.
Card fee
Annual fee: CHF 45
None
Annual fee: CHF 45
Monthly fee: CHF 2.90
None
None
Annual fee: CHF 45
Top-up fee
None1
Fast charge by credit card/debit card (approx. 15min): 1.5%.
Charge with PostFinance card: CHF 6.
Tip: It’s free to top up your card via online banking, and your credit is generally available in one working day.
1.5%1, for cards obtained via outlets
Fast charging by credit card/debit card (approx. 15min): Additional costs of 1.5% (on charging amount with charging fee).
Charging with PostFinance card: Additional costs of CHF 6.
Tip: When you top up your card via online banking, your credit is generally available in one working day. There are no further costs in addition to the top-up fee.
None, for cards obtained from Swiss Bankers
None1, for cards obtained via outlets
Fast charge by credit card/debit card (approx. 15min): 1.5%.
Charge with PostFinance card: CHF 6.
Tip: It’s free to top up your card via online banking, and your credit is generally available in one working day1.
None
Fast charge by credit card/debit card (approx. 15min): 1.5%.
Charge with PostFinance card: CHF 6.
Tip: It’s free to top up your card via online banking, and your credit is generally available in one working day.
1.5 %1
Fast charging by credit card/debit card (approx. 15min): Additional costs of 1.5% (on charging amount with charging fee).
Charging with PostFinance card: Additional costs of CHF 6.
Tip: When you top up your card via online banking, your credit is generally available in one working day. There are no further costs in addition to the top-up fee.
Subject to conditions1
None1
Fast charge by credit card/debit card (approx. 15min): 1.5%.
Charge with PostFinance card: CHF 6.
Tip: It’s free to top up your card via online banking, and your credit is generally available in one working day.
Ways to top up your card
- Bank transfer/e-banking
- Credit card/debit card/PostFinance card
- Outlets
Tip: To find your personal payment details, open the Swiss Bankers app and select “Top-up.” You can also view your payment details in the customer portal.
- Bank transfer/e-banking
- Credit card/debit card/PostFinance card
- Outlets
Tip: To find your personal payment details, open the Swiss Bankers app and select “Top-up.” You can also view your payment details in the customer portal.
- Bank transfer/e-banking
- Credit card/debit card/PostFinance card
- Outlets
Tip: To find your personal payment details, open the Swiss Bankers app and select “Top-up.” You can also view your payment details in the customer portal.
- Bank transfer/e-banking
- Credit card/debit card/PostFinance card
- Outlets
Tip: To find your personal payment details, open the Swiss Bankers app and select “Top-up.” You can also view your payment details in the customer portal.
- Bank transfer/e-banking
- Credit card/debit card/PostFinance card
- Outlets
Tip: To find your personal payment details, open the Swiss Bankers app and select “Top-up.” You can also view your payment details in the customer portal.
- Bank transfer/e-banking
- Credit card/debit card/PostFinance card
- Outlets
Tip: To find your personal payment details, open the Swiss Bankers app and select “Top-up.” You can also view your payment details in the customer portal.
Charge per payment
None
CHF 1 / EUR 1 / USD 1
None
None
CHF 1 / EUR 1 / USD 1
None
None
Processing fee currency exchange
0.95%
None
0.95%
0.95%
None
None
0.95%
ATM withdrawal fee in Switzerland
CHF 5
CHF 5 / EUR 5 / USD 5
CHF 5
N/a
CHF 5 / EUR 5 / USD 5
Subject to conditions
CHF 5
ATM withdrawal fee abroad
CHF 5
CHF 7.50 / EUR 7.50 / USD 7.50
CHF 7.50
N/a
CHF 7.50 / EUR 7.50 / USD 7.50
Subject to conditions
CHF 5
Replacement card
Replacement in case of loss or theft including remaining card value for a fee of CHF 20.00 in Germany and CHF 50.00 outside Germany. Immediate replacement of cards stored digitally.
Free replacement worldwide in case of loss or theft, usually within three working days, including the remaining card balance. Immediate replacement of cards stored digitally.
Replacement in case of loss or theft, including the remaining card balance, for a fee of CHF 20.00 in Switzerland and CHF 50.00 abroad. Immediate replacement of cards stored digitally.
Immediate replacement in case of loss or theft, including the remaining card balance, for a fee of CHF 20.00.
Free replacement worldwide in case of loss or theft, usually within three working days, including the remaining card balance. Immediate replacement of cards stored digitally.
Subject to conditions
Replacement in case of loss or theft including remaining card value for a fee of CHF 20.00 in Germany and CHF 50.00 outside Germany. Immediate replacement of cards stored digitally.
Card top-up
Min. CHF 100
Max. CHF 10 000
Min. CHF 100 / EUR 100 / USD 100
Max. CHF 10 000 / EUR 10 000 / USD 10 000
Min. CHF 100
Max. CHF 10 000
Min. CHF 100
Max. CHF 10 000
Min. CHF 100 / EUR 100 / USD 100
Max. CHF 20 000 / EUR 20 000 / USD 20 000
Subject to conditions
Min. CHF 100
Max. CHF 10 000
Card currencies
CHF
CHF / EUR / USD
CHF
CHF
CHF / EUR / USD
CHF / EUR / USD
CHF
Use options
- ATM
- Payment terminals / machines
- Contactless payment
- Internet / online payments
- ATM
- Payment terminals / machines
- Contactless payment
- Internet / online payments
- ATM
- Payment terminals / machines
- Contactless payment
- Internet / online payments
- Payment terminals / machines
- Contactless payment
- Internet / online payments
- ATM
- Payment terminals / machines
- Contactless payment
- Internet / online payments
- ATM
- Payment terminals / machines
- Contactless payment
- Internet / online payments
- ATM
- Payment terminals / machines
- Contactless payment
- Internet / online payments
Mobile payment
-
- Apple Pay
- Samsung Pay
- Google Pay
- Garmin Pay, Fitbit Pay, SwatchPAY!
- Apple Pay
- Samsung Pay
- Google Pay
- Garmin Pay, Fitbit Pay, SwatchPAY!
- Apple Pay
- Samsung Pay
- Google Pay
- Garmin Pay, Fitbit Pay, SwatchPAY!
- Apple Pay
- Samsung Pay
- Google Pay
- Garmin Pay, Fitbit Pay, SwatchPAY!
- Apple Pay
- Samsung Pay
- Google Pay
- Garmin Pay, Fitbit Pay, SwatchPAY!
-
Availability
Maximum number of cards per person
One card directly from Swiss Bankers
Five cards via our outlets
Five cards via our outlets
One card directly from Swiss Bankers
Five cards via our outlets
1 card
5 cards
-
One card directly from Swiss Bankers
Five cards via our outlets
Swiss Bankers App Features
– Block your card
– Geo-blocking
– Spending overview
– Many other features
– Top up your card
– Block your card
– Geo-blocking
– Spending overview
– Many other features
– Top up your card
– Block your card
– Geo-blocking
– Spending overview
– Many other features
– Top up your card
– Block your card
– Geo-blocking
– Spending overview
– Many other features
– Top up your card
– Block your card
– Geo-blocking
– Spending overview
– Many other features
– Block your card
– Geo-blocking
– Spending overview
– Many other features
– Block your card
– Geo-blocking
– Spending overview
– Many other features
1 Top-up fee may vary depending on the distribution partner
1 Top-up fee may vary depending on the distribution partner