Life

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.

Outlets






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.

Always safe.

The latest security technologies protect against misuse. You can optionally block and reactivate your card for Internet purchases, contactless payment or certain countries.

More about security

Fees and card information.

Compare

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

None 1
No additional charge for loading via bank transfer. Additional fee for loading by credit card (1.5%) or PostFinance card (CHF 6).

1.5 % 1
No additional charge for loading via bank transfer. Additional fee for loading by credit card (1.5%) or PostFinance card (CHF 6).

None 1
No additional charge for loading via bank transfer. Additional fee for loading by credit card (1.5%) or PostFinance card (CHF 6).

None
No additional charge for loading via bank transfer. Additional fee for loading by credit card (1.5%) or PostFinance card (CHF 6).

1.5 % 1
No additional charge for loading via bank transfer. Additional fee for loading by credit card (1.5%) or PostFinance card (CHF 6).

Subject to conditions 1

None 1
No additional charge for loading via bank transfer. Additional fee for loading by credit card (1.5%) or PostFinance card (CHF 6).

Charge per payment

None

CHF / EUR / USD 1

None

None

CHF / EUR / USD 1

None

None

Processing fee currency conversion

0.95%

None 

0.95%

0.95%

None 

None 

0.95%

ATM withdrawal fee in Switzerland

CHF 5

CHF / EUR / USD 5

CHF 5

n/a

CHF / EUR / USD 5

Subject to conditions

CHF 5

ATM withdrawal fee abroad

CHF 5

CHF / EUR / USD 7.50

CHF 7.50

n/a

CHF / EUR / USD 7.50

Subject to conditions

CHF 5

Replacement card

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

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

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

Card top-up

min. CHF 100
max. CHF 10’000

min. CHF / EUR / USD 100
max. CHF / EUR / USD 10’000

min. CHF 100
max. CHF 10’000

min. CHF 100
max. CHF 10’000

min. CHF / EUR / USD 100
max. CHF / EUR / 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!

-

Available from

Banks, SBB 
To the outlets

Online-Shop, Banks, SBB 
To the outlets
 

Selected private banks

-

Maximum number of cards per person

1 card at Swiss Bankers
up to 5 cards at our distribution partners

5 cards

1 card at Swiss Bankers
up to 5 cards at our distribution partners

1 card

5 cards

-

1 card at Swiss Bankers
up to 5 cards at our distribution partners

Funzioni app Swiss Bankers

– 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

Top-up fee may vary depending on the distribution partner 

Top-up fee may vary depending on the distribution partner 
 

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To order Life Digital, download the Swiss Bankers app now.

Receive download link by SMS here