After being a PostFinance client for a few years these charges make me angry - mostly because I learnt about them by chance, and PF so far haven’t informed me about the changes to come in 2019.
I started setting up a Cler Zak account (I can use Revolut and TW for withdrawals anyway), but they seem to have a problem with double tax residence (Polish tax residency is quite difficult to get rid off 
but comes with some benefits) - I got a msg to contact them by e-mail to proceed.
Anybody here had a similar problem with Cler Zak?