SmartKids for children

The dream account for kids

Reach small and large goals alike with the free accounts designed especially for children.

SmartKids for children up to the age of 11

    • CHF 0 per month
    • Youth savings account with 1.10% interest
    • Youth account for pocket money
    • PostFinance Card for parents
  • Digital or paper-based (charges apply) account management

  • Youth savings account

    • Put money aside flexibly for all goals great and small
    • In CHF or EUR
    • Preferential interestof 1.10% (up to CHF 25'000)
    • Withdraw money ten times a year in total from your youth savings accounts free of charge 

    Youth account

    • A simple account for pocket money
    • In CHF or EUR
    • Interest of 0.25% (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
  • PostFinance Card for parents

    • 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
  • PostFinance App and e-finance for parents

    • Log in quickly and securely with Face ID or fingerprint

    • Free access to your accounts and payments
    • Check your account balance and most recent transactions whenever you want
    • Your child must be aged between 0 and 11. The signature of one parent or a legal representative is needed to open an account.

      For young people aged 12 and older, our SmartYoung package is a good choice.

    • Order additional accounts with ease in the PostFinance App under “Offers” – or do so online via the following links:

      Open youth account 

      Open youth savings account

    • SmartKids 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.
      • 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. We offer ten withdrawals (i.e. transactions, transfers or purchase) a year free of charge, and a maximum of CHF 100,000 without any withdrawal notice on your part. After that, you will incur fees.

      The link will open in a new window Details about the fees and conditions

    • With preferential interest on the youth savings account, your child 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 SmartKids banking package.

      More information on funds saving plans

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