Youth savings account

The ideal savings account for customers up to the age of 20

The PostFinance youth savings account is the ideal savings account for young customers with big and small dreams. This enables you to put money aside easily and flexibly.

Youth savings account: for customers up to the age of 20

- Save money securely and flexibly
Preferential interest rate of 0.25%
Free account management
Available in CHF and EUR
Account management online with e-finance and the PostFinance App

Services

Deposit as much as you want, as often as you like
Ten outpayments/withdrawals of max. CHF 100,000 per year free of charge
Free account management online (e-finance and PostFinance App) or on paper for CHF 5 on request
Quarterly or annual account statements
Annual interest statement

Everything is included in the banking package

The youth savings account is managed in the free SmartKids and SmartYoung banking packages
Free Mastercard® Value (prepaid card) from the age of 12
Free Classic/Standard credit card from the age of 18

Prices and conditions

Account management

Free online with e-finance and the PostFinance App
On request: paper option for CHF 5 per month

Number of free withdrawals/payment slips	10 withdrawals per customer and calendar year (partner accounts count as one customer) CHF 8 for each additional withdrawal
Amount not subject to notice	Per calendar year and customer: 100,000 (regardless of currency) without notice (applies to all savings accounts in total; partner accounts count as one customer). 3 months’ notice period for larger amounts Withdrawal notices are valid for 30 days beyond the notice deadline. No written notice is required for transfer to PostFinance services (with the exception of PostFinance private account withdrawals).
If the notice period is not observed	Charge of 1% of the amount exceeding the limit is charged at end of the month

Interest rates

Balances	Interest CHF	Interest 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%

All interest rates at a glance

Documents

Services and prices for private customers (PDF) (PDF) The link will open in a new window

Choose the right SmartKids or SmartYoung banking package

and open the account in just a few steps.

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Does your child or do you as a young person already have an account with PostFinance? Open an additional youth savings account easily online for free.

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