Life - The Mastercard® prepaid credit card for every day

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. Life is also available without plastic as the Life Digital mobile-only card.

Order Life Order Life Digital

Life Prepaid Card also available at over 200 outlets.






The perfect solution for every need

Life

For all who always want to pay securely and contactlessly.

  • Plastic card
  • CHF 45 per year
  • Ordered within minutes and delivered in 2 - 3 working days
Order Life

Life Digital

For all who pay digitally with their smartphone. Free of charge for 3 months.

  • Digital only for smartphone
  • CHF 2.90 per month
  • Ready to use in a few minutes on your smartphone
Order Life Digital

How you benefit from Life.

Always safe: full cost control, flexible and risk-free payment.

Pay worldwide.

You can use the prepaid Mastercard card in more than 70 million shops as well as for online payment. You can withdraw money at ATMs in Switzerland and abroad. If you have any questions, our free client service will be happy to assist you.

Available to everyone.

Life is available quickly and without a credit check from the Swiss Bankers online shop and various outlets – to all persons aged 16 and over and, with parental authorisation, also to persons aged 12 to 15. 

Easy to top up.

You can add money to your card in amounts up to CHF 10’000 at the outlet, using the Swiss Bankers app, on our client portal or using e-banking. 

Payment by mobile phone.

With Life and our Swiss Bankers app, you also benefit from mobile payments. You pay conveniently with your smartphone or your smartwatch, for example via Apple Pay or Samsung Pay.

Swiss Bankers app.

The Swiss Bankers app includes practical features such as push notifications following every transaction, balance and spending overviews, adding money to the card balance, card blocking in the event of loss, immediate digital card replacement in the app and more. 

Unparalleled security.

The card can only be debited if a credit balance has been loaded onto it. You can challenge transactions within 30 days. The latest security standards provide security and protection against card misuse on the Internet. In the event of loss, the card including the balance will be replaced worldwide. You can only spend the amount you have loaded onto your card.

To the conditions

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,  for cards obtained from Swiss Bankers
None1, for cards obtained via outlets

Fast charge by credit 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%,  for cards obtained from Swiss Bankers
1.5%1, for cards obtained via outlets

Fast charging by credit 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 (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.

None

Fast charge by credit 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 (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 (approx. 15min): 1.5%.
Charge with PostFinance card: CHF 6. 

Tip: Charge your card via e-banking (2-3 working days), so there are no additional costs.

Ways to top up your card

- Bank transfer/e-banking
- Credit 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/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/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/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/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/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 foreign country

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 7.50

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 the remaining card balance, for a fee of CHF 20.00 in Switzerland and CHF 50.00 abroad. 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

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 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!

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

-

Availability

In CHF: To the online shop
In EUR / USD: To the outlets

Selected private banks

Maximum number of cards per person

One card directly from Swiss Bankers
Five cards via our outlets

One card directly from Swiss Bankers
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

– 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

– 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 
 

Top-up fee may vary depending on the distribution partner 

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Frequently asked questions.

Answers to general questions about PIN codes, security, mobile payment and services can be found under Frequently asked questions – general.

Where is the prepaid Life credit card available?

Life is available to all in the Swiss Bankers online shop, at 150 SBB train stations and from a number of banks. Please visit Outlets for a current list of distributors. By using  voucher codes from campaigns, you will receive the first annual fee of CHF 45.00. Redeemable up to three months after publication.

Is there a minimum age for obtaining the card?

Life prepaid credit cards are issued to all customers:

  • aged 16 years and over, without an authorization

  • aged 12 years and over, with an authorization of their legal representative

How does the digital card Life Digital work?

With our digital prepaid card, all payment information is stored on your smartphone. It works just like a normal mobile payment: simply activate the screen of your smartphone, hold it next to the payment terminal and complete the transaction.

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Everything is even easier with the Swiss Bankers app.

The practical features of the Swiss Bankers app make using Life even more convenient, with clear presentation of all options and relevant information.

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

Receive download link by SMS here