Student account

The ideal account for apprentices and students
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The free PostFinance student account enables you to create the ideal foundation for your financial future. Thanks to e-finance and the PostFinance App, you can keep an eye on your daily financial transactions at all times. Benefit from attractive special conditions during your apprenticeship or studies.

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

  • Ideal as an account for apprentices and students

  • Preferential interest rate

  • Free account management and PostFinance Card

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

    • Account for all students between the ages of 18 and 30
    • Online account management (optionally available on paper)
    • On request: free Mastercard Standard credit card or Visa Classic Card 

  • Current interest rates

    Student accounts in banking packages

    Student accounts are managed in the SmartStudents banking package. 

    Cash withdrawals

    Place of useCost for the cash withdrawal
    Place of use
    PostFinance Card
    		 Cost for the cash withdrawal
    Free of charge
    Place of use
    Postomats
    		 Cost for the cash withdrawal
    Free of charge
    Place of use
    Swiss Post counters
    		 Cost for the cash withdrawal
    Free of charge
    Place of use
    Migros customer service desks, Coop Pronto shops and Denner
    		 Cost for the cash withdrawal
    Free of charge
    Place of use
    ATMs in Switzerland
    		 Cost for the cash withdrawal
    Free of charge
    Place of use
    ATMs abroad
    		 Cost for the cash withdrawal
    Free of charge 

    Domicile abroad

    CHF 25/month per account, regardless of assets

  • 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?

    If you meet the preconditions for a student account, please send us a copy of your training contract or proof of education via e-finance or by post. Your youth account or private account will be converted into a student account after your details have been checked.

    Close your current bank account

    You can close your current bank account with the following cancellation letter.

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

  • Where can you withdraw cash at Migros?

    Cash withdrawals are possible at the Customer Service checkout.

    What are the preconditions for a student account?

    • 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

    What is the overdraft limit for a student account?

    The account must not be overdrawn. If creditworthiness checks are positive and regular credits are made, PostFinance may grant an overdraft limit of CHF 1,000 francs and change it at any time on request.

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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Are you already a PostFinance customer?

Open an additional student account with ease online.

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