Post Visa Prepaid card
The reloadable prepaid credit card from Swiss Post
Pay securely. Complete control over spending. Accepted worldwide.
The Post Visa Prepaid card is the reloadable prepaid credit card from Swiss Post. The issuance is carried out by YAPEAL under licence from Visa. It works on the principle of credit: you load money onto the card and can only spend this amount. No bank account required, no creditworthiness check, no credit risk. Ideal for online shopping, travel and as a first payment card for young people.
Purchase the card at one of more than 150 Swiss Post branches throughout Switzerland or directly at postshop.ch – and start paying right away.
- Ready to use right away – purchase the card, download the app, top up and start using it
- Top up free of charge with the app
- Pay worldwide – wherever Visa is accepted
- No bank account or creditworthiness check required
- Greater security for online shopping: your main account remains protected
- Overview of all transactions, your credit and your limits – anytime in the app
What is a prepaid credit card?
A prepaid credit card – also known as a reloadable credit card – works differently to a traditional credit card:
- Download the app and register
- Top up card
- The topped-up amount can be spent anytime
- No credit limit and no debt
- No creditworthiness check – the card is accessible for everyone
The Post Visa Prepaid card is operated as part of the Visa network so it’s accepted worldwide, for both high street retail and online shopping. Unlike a traditional credit card, your bank account is not linked to the card: this significantly reduces the risk in the event of data misuse or card loss.
Advantages of the Post Visa Prepaid card at a glance
Keep your spending under control
You can only spend what you top up beforehand – no surprises, no debt.
No creditworthiness check
Simply apply and get started right away – even without a bank account or traditional credit card.
Ideal for young people & young adults
The secure way to get started with cashless payment, including with parental consent.
Secure online shopping
Your main account remains unaffected. Even in the event of data misuse, only the card balance is affected.
Control via app
Check your credit, keep track of transactions and block your card – all in the Post-App.
Security when travelling
Keep track of your travel budget at all times.
Fees and conditions
Post Visa Prepaid is available in two variants: Basic (without personal identification, with registration in the app) and Upgrade (with higher limits after one-time identification in the app). The Post Visa Prepaid is issued by YAPEAL under licence from Visa.
Fees
| - | Basic | Upgrade |
|---|---|---|
| Annual fee | CHF 33 | CHF 33 |
| Top up card | Free of charge | Free of charge |
| Cash withdrawal | Not possible | 4%, min. CHF 10 |
| Payment in foreign currency | 2% | 2% |
Limits
| - | Basic | Upgrade |
|---|---|---|
| Cash withdrawal max. | Not possible | Up to CHF 1,000/day |
| Max. top-up | CHF 5,000 | CHF 10,000 |
| Individual transaction max. | CHF 1,000 | CHF 5,000 |
The Basic service is suitable for everyday use, online shopping and travelling with manageable amounts. The Upgrade option is recommended if you need higher transaction limits – for example, for larger online purchases or business trips.
How to obtain and use the Post Visa Prepaid card
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1
Purchase card
Purchase the Post Visa Prepaid card at one of more than 150 Swiss Post branches throughout Switzerland or directly online at postshop.chTarget not accessible. All you pay when purchasing the card is the annual fee of CHF 33.00.
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2
Download the app and register
Download the Post Visa Prepaid App powered by YAPEAL from the Apple App StoreTarget not accessible or Google PlayTarget not accessible. You can register in just a few clicks, with no need to open an account and no creditworthiness check. No personal identification is required for the Basic service.
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3
Top up card
Top up your card free of charge: directly in the app, from a bank account. Once you have successfully topped it up, your Post Visa Prepaid card is ready to use immediately.
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4
Make payments worldwide
Make contactless payments in stores, securely when shopping online or while travelling, wherever Visa is accepted. Keep track of your credit and spending at all times via the app.
Post Visa Prepaid card abroad and for online shopping
Post Visa Prepaid is accepted worldwide wherever you see the Visa logo – in shops, petrol stations, hotels and for online shopping. This makes it the ideal travel companion for Switzerland and abroad.
- Online shopping: pay securely, as your main account is not linked
- Travel: top up your travel budget in advance and keep track of your spending via the app
- Petrol stations and hotels: accepted at most locations worldwide
- Car rental: Visa Prepaid is accepted by many car rental companies – please check in advance
- Foreign currencies: fees of 2% on payments outside the CHF area
Security and card management
Your Post Visa Prepaid card has several security functions:
- No credit limit: you can never spend more than you’ve topped up
- No linked bank account: your main account is protected if you lose your card or in the event of data misuse
- Immediate card blocking via app: in the event of loss, you can block the card in seconds
- Real-time transaction overview: all payments directly visible in the app
Who is the Post Visa Prepaid card suitable for?
- Young people and young adults: the first secure way to start making cashless payments – with optional parental consent
- People without a traditional credit card: no creditworthiness check required
- Travellers: manage travel budget separately, pay worldwide
- Online shoppers: shop securely without revealing your main account details
- Newcomers and those without a Swiss bank account: ready to use straightaway
- As a gift idea: the card can be purchased as a voucher or gift at a Swiss Post branch
Legal information
The Post Visa Prepaid card is issued by YAPEAL under the Visa licence in the Swiss Post design. When selling and topping up the card, Swiss Post acts in the name and on behalf of YAPEAL; the contract for the Post Visa Prepaid card is concluded directly between the customer and YAPEAL. Please read the General Terms and Conditions (GTC) carefully before activating the card. The GTCs contain information on the contractual basis, responsibilities, fees and how to use the card.