Student account

The ideal account for apprentices or students
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The free PostFinance student account enables you to create the ideal foundation for your financial future. Thanks to online banking and the right cards, you have your money under control. You benefit from a preferential interest rate during your apprenticeship or studies.

Student account: for customers aged 18 to 30 who are in education or training

  • Ideal for an apprenticeship or studying

  • Everything included with the free SmartStudents banking package

  • Free account management and PostFinance Card

  • Free Classic/Standard credit card or Mastercard® Value (prepaid card) on request

  • TWINT included

  • Student account

    • In CHF or EUR
    • Free account management online (with e-finance and the PostFinance App), or on paper for CHF 5 per month on request
    • Monthly account statement
    • Annual interest statement
    • Spending limits for account and card freely selectable

    PostFinance Card

    • Make payments and withdraw cash around the world
    • Domestic withdrawals: Postomats, ATMs, Swiss Post counters, Migros, SBB and private railways, Coop-Pronto and Denner stores
    • Set your own daily and monthly spending limits

    Everything included in the banking package

    • The student account is managed in the free SmartStudents banking package
    • Put money aside easily and securely with a savings account
    • Free Classic/Standard credit card
    • Or a free Mastercard® Value (prepaid card)

    • Account management free of charge 
    • Free cash withdrawals at all Postomats, ATMs and partner businesses in Switzerland
    • Withdrawals abroad: third-party fees may apply
    • Combine with a free savings account, interest rate of 0.30% (up to CHF 50'000) 
    • Free Classic/Standard credit card or free Mastercard® Value (prepaid card) on request

    Domicile abroad

    CHF 25/month per account, regardless of assets

  • BalancesInterest CHFInterest EUR
    Balances
    Up to CHF 25’000.– / EUR 25’000.–
    		 Interest CHF
    0.25%
    		 Interest EUR
    0.25%
    Balances
    From CHF 25’000.– / EUR 25’000.–
    		 Interest CHF
    0.00%
    		 Interest EUR
    0.00%
    Balances
    Debit interest for negative balances
    		 Interest CHF
    9.50%
    		 Interest EUR
    9.50%

  • Whether you’re cancelling your current bank account or you want to convert your existing youth or private account into a student account – we will be happy to help.

    How can I convert my youth account or private account into a student account?

    Are you are between 18 and 30 years of age and in education or training? Send us a copy of your training contract or proof of education via e-finance or by post. We will convert your youth account or private account into a student account after we have checked the details.

    Close your current bank account

    1. Please fill in at least the first page
    2. Sign the form
    3. Send it to your bank

      • You are between 18 and 30 years of age
      • You are in education or training for a period of at least one year, full-time or while working
      • Education or training includes: vocational training, middle school, technical education, higher technical education, university of applied sciences and university

    • You cannot overdraw your account. Subject to a positive creditworthiness check and regular payments, we will be pleased to grant a monthly overdraft limit of CHF 1,000, which can be adjusted at any time on request.

    • Account management for the student account is free. You can avoid charges by paying attention to the following points:

      • Manage your accounts digitally. We charge you the CHF 5 per month fee for the paper option only if you expressly request this option when you open the account, or if 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 savings account, keep to the number of debits and the maximum amount you can withdraw each year free of charge. Ten withdrawals (i.e. transactions, transfers or purchases) 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 withdrawing cash with a credit or prepaid card. You will incur low conversion fees for purchases in foreign currencies.

    • You can open an account yourself in just a few minutes via the PostFinance App. You must identify yourself with your ID and a face scan and then sign the account opening documents directly in the app. Once you have created your login, you can use your student account right away. We will send you the card(s) by post within a few days.

Become a customer with the right banking package

From the age of 18, you can get the student account as part of the SmartStudents banking package.

Banking packages for children and young people

Find the right accounts, cards and apps for every age.

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In education, 18–30 years of age

SmartStudents

CHF 0/month

The student account for finances, especially during an apprenticeship and studies.

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