Prepaid credit card Life

The Benefits

Accepted Like a Credit Card.

You 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.

Ideal for Online 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.

Full Budget Control.

The reloadable Mastercard gives you full control over your expenses: You can only spend the amount you have loaded onto your card.

Easy to Load at Your Bank.

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.

Modest Charges.

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.

Protected Funds.

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.

Fees

Cashless Payments

Swiss Bankers charges no fees for payments in shops or online.

Cash Withdrawals

An ATM withdrawal costs EUR, USD or CHF 5,00 (depending on card currency).

Annual Fee

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.

Loss and Theft

Within Germany, replacement cards are issued and delivered free of charge. Outside Germany, a fee of EUR/USD/CHF 50,00 is charged.

Third-Party Fees

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.

Fees and card information.

Compare

Card fee

Annual fee: CHF 45

None

Annual fee: CHF 45

Monthly fee: CHF 2.90

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

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.

Charge per payment

None

CHF 1 / EUR 1 / USD 1

None

CHF 1 / EUR 1 / USD 1

None

Processing fee currency exchange

0.95%

None

0.95%

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 / 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 / EUR / USD

CHF

Use options

- 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

Mobile payment

- Apple Pay
- Samsung Pay
- Google Pay
- Garmin Pay, Fitbit Pay, SwatchPAY!

Availability

To the outlets

In EUR / USD: To the outlets

To the online shop, Banks, SBB
To the outlets

Via Swiss Bankers app

Selected private banks

To the outlets

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

– Block your card
– Geo-blocking
– Spending overview
– Many other features

Outlets

¹Top-up fee may vary depending on the distribution partner

Display all

Life

The Benefits

Accepted Like a Credit Card.

Ideal for Online Payments.

Full Budget Control.

Easy to Load at Your Bank.

Modest Charges.

Protected Funds.

Fees

Cashless Payments

Cash Withdrawals

Annual Fee

Loss and Theft

Third-Party Fees

Always safe.

Fees and card information.

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