Pay cashless on the go with TWINT
Open the app, scan the QR code, done. With TWINT, you can easily make cashless payments and keep a constant eye on your finances.
SmartYoung for young people
The dream account for young peopleHaving your very first account is an important step towards achieving independence. Keep your expenses in check with the right accounts, cards and apps.
SmartYoung banking package for young people up to 20
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CHF 0 per month
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Youth account and PostFinance Card with adjustable limits
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Youth savings account with 0.80% interest
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Online banking and PostFinance
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PostFinance TWINT
Free prepaid card
Make even more flexible payments with a prepaid card that you top up beforehand, so you have more control of your spending.
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Youth account
- Save pocket money and make small payments
- In CHF or EUR
- Preferential interest of 0.80% (up to CHF 25'000)
- Account management with e-finance and the PostFinance App
- Paper-based on request (CHF 5/month)
- Monthly account statement
- Annual interest statement
Youth savings account
- Put money aside flexibly for all goals great and small
- In CHF or EUR
- Preferential interest of 0.80% (up CHF 25'000)
- Withdraw money ten times a year in total from your youth savings accounts free of charge
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PostFinance Card
- Pay in stores and in online shops worldwide
- Set your own limits
- Free cash withdrawals
- Domestic withdrawals: Postomats, ATMs, counters, Migros, SBB and private railways, Coop Pronto Shops and Denner
- Withdrawals abroad: fees charged by third parties may apply
Credit card
- Available from age 18
- PostFinance Mastercard® Standard or PostFinance Visa Classic
- Free of charge
- Complete control via e-finance and the app
- Push notifications for transactions
- Pay on the go with Apple Pay, Google Pay, etc.
Prepaid card
- Alternative to the credit card for people aged between 12 and 18
- Free of charge
- PostFinance Mastercard® Value with high acceptance worldwide
- The card can be topped up, but not overdrawn
- Complete control over spending via e-finance and the app
- Push notifications for transactions
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PostFinance App and e-finance
- Log in quickly and securely with Face ID or fingerprint
- Free access to your accounts and payments
- Check your account balance and recent transactions whenever you like
- Change settings, details and withdrawal limits with ease
- Receive and pay electronic invoices by eBill with ease
- Push notifications
TWINT
- Link the account and start Twinting
- Pay in online shops, at the checkout and at ATMs
- Send and request money between friends and acquaintances
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For card spending and withdrawals, the daily and monthly limits apply. You can set these limits yourself via the PostFinance App or in online banking (e-finance).
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SmartYoung is suitable for young people aged between 12 and 20. To open an account for someone aged up to 18, a signature of a parent or a legal representative is required.
For children under 12, our SmartKids package is the best choice.
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For customers aged 18 and over, subscription and order options can be found in the PostFinance App under “Offers” – or online via the following links. For customers under 18, orders are placed by the parents or the legal representatives.
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SmartYoung is free of charge. Avoid fees with ease by paying attention to the following:
- Manage your accounts digitally. We only charge you the CHF 5/month fee for the paper-based option if you expressly request this option when you open the account, or you do so later in online banking (e-finance) or in the app.
- PostFinance will not charge you any fees for cash withdrawals with the PostFinance Card made internationally. Third-party fees are, however, possible and are not reimbursed by PostFinance.
- With the youth savings account, keep to the number of debits and the maximum amount you can withdraw from that account each year free of charge. Ten withdrawals (i.e. transactions, transfers or purchase) a year are offered free of charge, and a maximum of CHF 100,000 without any withdrawal notice on your part. After that, you will incur fees.
- Avoid cash withdrawals with a credit card. You will incur low conversion fees for purchases in foreign currencies.
The link will open in a new window Details about the fees and conditions
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With preferential interest on the youth savings account, young people will benefit from the compound interest effect, and will be a step closer to making their dreams a reality.
A funds saving plan is an especially good supplement. This allows you to build up assets on a long-term, systematic basis from as little as 20 francs a month. You can set this up later with ease via the PostFinance App or e-finance once you’ve opened the SmartYoung banking package.
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