The ideal account for apprentices or students
The free PostFinance student account enables you to embark on your future with financial independence. Ideal for all apprentices and students: PostFinance Card, TWINT and easy account opening – everything you need.
are in education or training and are between 18 and 30 years old
wish to pay easily and flexibly with the PostFinance Card
wish to use TWINT, Apple Pay and Google Pay for mobile payments
would like a free credit card or prepaid card
wish to manage your finances digitally via e-finance or the PostFinance App – including expenditure overview, budget planning and real-time notifications
CHF 25/month per account, regardless of assets
| Balances | Interest CHF | Interest EUR |
|---|---|---|
| Balances Up to CHF 25’000.– / EUR 25’000.– |
Interest CHF 0.10% |
Interest EUR 0.10% |
| 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.
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.
Account management for the student account is included in the free SmartStudents banking package. You can avoid charges by paying attention to the following points:
You can open an account yourself in just a few minutes via the PostFinance App or directly on the website. 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.
Please note: you can open a student account as part of the SmartStudents banking package.
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.
No account management fees, modern app functions, preferential interest rates, cashback and discount promotions and free cards.
Online payments, mobile banking, PostFinance TWINT, savings goals, card management and expenditure overview.
A free debit card (Mastercard or Visa Debit) and optionally a credit card with a reduced limit.
Yes, all common payment solutions are integrated and can be used free of charge.
Yes, you can use your debit or credit card worldwide. Foreign currency fees may be incurred.
CHF and SEPA payments are generally free of charge; foreign currencies, depending on the bank, incur a small fee.
Of course. PostFinance offers simple savings and investment options – ideal for beginners.
From the age of 18, you can get the student account as part of the SmartStudents banking package.
Open an additional student account free of charge with ease via your e-finance or the PostFinance App.
