Youth account

The ideal pocket money or salary account

The PostFinance youth account is the basic account for customers up to the age of 20 and is ideal as a pocket money or salary account. You can also use our online and mobile banking with e-finance and the PostFinance App, making it easy for you to take care of your day-to-day financial transactions.

Youth account: for customers up to the age of 20

  • Ideal as a pocket money or salary account

  • Preferential interest rate

  • Free account management

  • Free PostFinance Card from 12 years of age

  • On request: free MasterCard Value from 12 years of age

    • Youth account in CHF or EUR
    • Free account management: either online (e-finance) or on paper
    • Monthly account statement and annual account balancing with interest statement
    • With the youth account, you benefit from a lower issuing commission for PostFinance Fonds
  • Current youth account interest rates

    Account Interest rate Interest limit
    AccountYouth account in CHF
    Interest rate0.25% Interest limitCHF 25,000
    AccountYouth account in EUR
    Interest rate0.25% Interest limitCHF 15,000

     The debit interest on negative balances is 9.50%.

     Assets above the interest limit earn interest at the rate applicable to the private account.

    Account management and withdrawals from youth accounts

    Account management Free of charge  
    PostFinance Card Free of charge
    Cashless payments in Switzerland and in online shops Free of charge
    Cash withdrawals at Postomats, post offices, Migros, Manor, Spar and SBB counters
    Free of charge
    Cash withdrawals at ATMs

    CHF 2 for withdrawals of Swiss francs

    CHF 5 for withdrawals of euros

    Cash withdrawals at ATMs abroad
    CHF 5
    Electronic or paper account statements, payment and standing orders Free of charge
    Domicile abroad CHF 25/month per account, irrespective of assets
  • Want to have your salary paid into your youth account?

    You can use the following transfer form to have your salary credited to your youth account.

    1. Please fill in the form
    2. Sign the form
    3. Send the form to: PostFinance Ltd, Account Services Region Berne, Engehaldenstrasse 37, 3040 Berne
  • Where can you withdraw cash at Migros and Manor?

    Cash withdrawals are possible at the Customer Service checkout.

    What are the preconditions for a youth account?

    Customers up to 20 years of age receive a youth account. Young people who are not yet of legal age require the signature of a parent or legal representative to open the account.

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