Youth savings account

The ideal savings account for customers up to the age of 20
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The PostFinance youth savings account is the ideal savings account for young customers with big and small dreams. This enables you to put money aside easily and flexibly.

Youth savings account: for customers up to the age of 20

    • Save money securely and flexibly

  • Preferential interest rate of 0.80%

  • Free account management

  • Available in CHF and EUR

  • Account management online with e-finance and the PostFinance App

  • Deposit as much as you want, as often as you like
  • Ten outpayments/withdrawals of max. CHF 100,000 per year free of charge
  • Free account management online (e-finance and PostFinance App) or on paper for CHF 5 on request
  • Quarterly or annual account statements
  • Annual interest statement

Everything is included in the banking package

  • The youth savings account is managed in the free SmartKids and SmartYoung banking packages
  • Free Mastercard® Value (prepaid card) from the age of 12
  • Free Classic/Standard credit card from the age of 18

Account management

  • Free online with e-finance and the PostFinance App
  • On request: paper option for CHF 5 per month

Withdrawal conditions

Number of free withdrawals/payment slips
  • 10 withdrawals per customer and calendar year (partner accounts count as one customer)
  • CHF 8 for each additional withdrawal
Amount not subject to notice
  • CHF 100,000 per customer and calendar year (partner accounts count as one customer)
  • 3 months’ notice period for larger amounts
  • Withdrawal notices are valid for 30 days beyond the notice deadline. No written notice is required for transfer to PostFinance services (with the exception of PostFinance private account withdrawals).
If the notice period is not observed
  • Charge of 1% of the amount exceeding the limit is charged at end of the month
BalancesInterest CHFInterest EUR
Balances
Up to CHF 25'000.– / EUR 25'000.–
 Interest CHF
0.80%
 Interest EUR
0.80%
Balances
From CHF 25'000.– / EUR 25'000.– to CHF 50'000.– / EUR 50'000.–
 Interest CHF
0.10%
 Interest EUR
0.10%
Balances
From CHF 50'000.– / EUR 50'000.–
 Interest CHF
0.00%
 Interest EUR
0.00%
Balances
Debit interest for negative balances
 Interest CHF
9.50%
 Interest EUR
9.50%

Become a customer with the right banking package

Children and young people receive a youth savings account in the SmartKids or SmartYoung banking package.

Children up to the age of 11

SmartKids

CHF 0/month

The ideal account for pocket money and savings for all goals great and small.

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Young people up to the age of 20

SmartYoung

CHF 0/month

The youth account with a card for learning to manage pocket money and a salary for the first time.

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Is the child or young person already a PostFinance customer?

Open an additional youth account with ease online.

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