For some years now I have noticed that the PostFinance ATM’s in my area are very unreliable. When I withdraw cash in the city, it always works. We have a lot of error messages or other errors. Is this a creeping cash ban by the banks?
I’ve reported the problems several times via the hotline, but they weren’t interested. They wait until many customers say the same thing. Don’t they have internal monitoring of the ATMs?
That could work if there was a concerted effort by banks to make ATMs not useable. If only the ATMs of one bank disfunction but those of the others work fine, then all it does is make that particular bank look bad and push customers toward the banks who know how to maintain their ATMs.
That is said without knowing your particular situation, maybe there is only a PF’s ATM where you live, small villages can be that way (as an aside and in case it can help, it is possible to withdraw money at the cashier of Coop, Migros and Denner with most debit cards (some incur fees, depending on the bank issuing the card and the store): How to Withdraw Money at Retail Stores in Switzerland - moneyland.ch
Not a cash ban, per se. But when customers have difficulty getting cash (a free public service that does not generate profits for banks), they are more likely to make cashless payments (a paid private service that is extremely profitable for banks). So inhibiting cash use is obviously in banks’ interest, at least in the short term. I wouldn’t consider that conspiratorial. Just good business sense.
Same here. I found PF much more unreliable than e.g. ZKB (I live in the city of Zurich) or Raiffeisen.
Edit: I fully expect every bank to pay less interest and financial means to keep their ATMs up to a super high (Swiss) standard. As mentioned, it’s a huge financial and personel investment (mechancial stuff that has to be solved sur place) which doesn’t earn you a Blumentopf (meaning hard to measure financial income or new customers).
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