Credit Card comparison

Usage

Travel is the prepaid credit card without an annual fee for safe and easy payments on your travels.

Life is the uncomplicated and flexible prepaid credit card for everyday use. 

Life Digital is the immediately available digital card for mobile payments by mobile phone. 

Prime is the exclusive prepaid credit card for private bank customers.

The benefits at a glance

Our popular Travel Cash card is now called Travel. The prepaid card can be topped up in Swiss francs, euros or US dollars and used worldwide in shops and on the Internet as well as at ATMs to withdraw cash in the respective local currency. In case of loss or theft, it will be replaced immediately free of charge worldwide. Travel is available at various outlets, at almost all banks or SBB.

Life is the universal prepaid credit card for everyday use, which you can use in shops and on the Internet worldwide. The card can only be debited if a credit balance has been loaded onto it. This keeps spending under control at all times. It is the ideal solution for those who do not have a credit card or do not want to use it on the Internet. Life is available in the Swiss Bankers online shop and at various outlets.

Life Digital is a purely digital prepaid credit card for the smartphone. You always have it on you – without a wallet. You can order Life Digital via the Swiss Bankers app and activate it immediately on your mobile phone.

The top-up limit is higher than with other Swiss Bankers prepaid credit cards. This way, with Prime you benefit from even more flexibility. Prime is available from selected private banks. 

Card fee

None

Annual fee: CHF 45

Monthly fee: CHF 2.90

None

Top-up fee

1.5%,  for cards obtained from Swiss Bankers
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 fee¹.

None,  for cards obtained from Swiss Bankers
None, 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.

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.”

- 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.”

- 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.”

- 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.”

Charge per payment

CHF 1 / EUR 1 / USD 1

None

None

CHF 1 / EUR 1 / USD 1

Processing fee foreign country

None 

0.95%

0.95%

None 

ATM withdrawal fee in Switzerland

2%, min. CHF/EUR/USD 2

2%, min. CHF 2

2%, min. CHF 2

2%, min. CHF 2

ATM withdrawal fee abroad

2%, min. CHF/EUR/USD 7.50

2%, min. CHF 7.50

2%, min. CHF 7.50

2%, min. CHF 7.50

Replacement card

Free replacement worldwide in case of loss or theft, usually within three working days, including the remaining card balance. Replacement of digital cards within one working day. 

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. Replacement of digital cards within one working day. 

Replacement of digital cards within one working day 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. Replacement of digital cards within one working day. 

Card top-up

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

Card currencies

CHF / EUR / USD

CHF

CHF

CHF / EUR / USD

Use options

- 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

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!

Availability

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

To the online shop, Banks, SBB 
To the outlets
 

Via Swiss Bankers app

Selected private banks

Maximum number of cards per person

Three cards directly from Swiss Bankers
Five cards via our outlets

One card directly from Swiss Bankers
Five cards via our outlets

1 card

5 cards

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