Banking packages for young people and students under 30

With our banking packages, you’ll benefit from everything you need for your everyday finances, based on your age. E-finance and the PostFinance App allow you to carry out banking transactions securely and conveniently online. The paper option enables you to receive account statements and payments on paper if preferred.

SmartKids

0 to 11 years, free of charge
  • Youth account in CHF or EUR
  • Youth savings account in CHF and EUR
  • On request with e-finance, PostFinance App and PostFinance Card for the parents

 

SmartYoung

12 to 20 years, free of charge
  • Youth account in CHF or EUR
  • Youth savings account in CHF and EUR
  • PostFinance Card
  • E-finance and PostFinance App with security guarantee
  • Cashless payments with TWINT

Including

 Mastercard Value (prepaid) credit card or

Classic/Standard credit card from 18 years. 

Free cash withdrawals at third-party ATMs in Switzerland and abroad with the PostFinance Card.

SmartStudents

18 to 30 years, free of charge
  • Student account in CHF or EUR
  • Savings account in CHF and EUR
  • PostFinance Card
  • E-finance and PostFinance App with security guarantee
  • Cashless payments with TWINT

Including

 Mastercard Value (prepaid) or Classic/Standard credit card.

 

Free cash withdrawals at third-party ATMs in Switzerland and abroad with the PostFinance Card.

Training complete

Young adults up to 23 years of age who are starting out in their professional life receive the SmartPlus banking package for a maximum of three years for half the price at CHF 6.

With the paper option, which costs CHF 5/month, you receive all account statements, interest statements and/or credit card statements on paper. You can also, manage your payment orders on paper or set up standing orders.

Information on products in the banking packages

  • Banking package fees and paper option

    SmartKids banking package
    0 to 11 years
    free of charge
    SmartYoung banking package
    12 to 20 years
    free of charge
    SmartStudents banking package
    18 to 30 years
    free of charge
    Paper option 
    CHF 5/month

    The price for the banking package and for the paper option applies per customer relationship. A customer relationship can include several accounts. The fees are charged monthly.

    Other paper-related fees

    Forwarding of account statement, interest statement or credit card statement (on paper)
    CHF 5/document

    One document per month will be generated for forwarding on paper with a monthly account notification.

    Fee-based services on paper for customers without paper option

    Payment order
    CHF 3/order (envelope)
    Set up and/or change standing order
    CHF 5/order

    Fee-based services for customers with Smart and SmartKids banking packages

    Cash withdrawal with the PostFinance Card at third-party ATMs in Switzerland

    CHF 2/CHF withdrawal

    CHF 5/EUR withdrawal

    cash withdrawal with the PostFinance Card abroad
    CHF 5/withdrawal

    Credit cards

    • Classic/Standard or Value (prepaid card) CHF 50/year
    • Gold CHF 100/year
    • Platinum CHF 250/year

    SmartPlus, SmartYoung and Smart Students: CHF 50/year on the prepaid card / credit card.

  • Save money by doing without paper and by carrying out banking transactions in e-finance

    You save CHF 5/month by not using the paper option and by carrying out your banking transactions in e-finance. You can make the adjustment in e-finance under “Settings and profile”, “My products”, “Fees”.

    Saving when starting out in your career

    With your SmartYoung or SmartStudents banking package, you will receive the SmartPlus banking package for half price at CHF 6/month for a maximum of three years until you reach the age of 30.

  • Do you have more questions about our banking packages?