Children's Savings Account

per year

Children's Savings Account

per year

The big return for your little ones

Save smart and early for your children with the Children's Savings Account with a preferential interest rate. By doing so, you can help your children to make their plans a reality and get them off to a flying start when they turn 18.

Open a free account

High preferential interest rate

Your child benefits from a preferential interest rate for the entire term. This is higher than our regular Savings Accounts to ensure the best possible return for your little ones.

0 to 18 years

The parents of children or young people aged 0 to 18 open the Children's Savings Account in their name.


We are a Swiss bank with depositor protection. Your savings are protected up to CHF 100,000 per customer relationship.


Your Children's Savings Account is free of charge to open and maintain. There are also no fees for deposits, transfers or withdrawals.


mySavings allows you to maintain an overview of all your savings products online. You can access your savings, annual interest income and tax documents online at any time.

100% digital

You can open an account online in just a few minutes, with no fuss or paperwork. You can manage your account online at any time, view account transactions and send us orders.

Services and conditions
Children's Savings Account

Interest rate1

2.00% per year


Children and young people up to their 18th birthday with a Swiss domicile

Withdrawal / availability2

Notice period of six months

The account opener has the right to dispose of the savings balance subject to a cancellation period of six months.


  • Preferential interest rate from the first Swiss franc
  • Market-oriented interest rate
  • No maximum amount

Withholding tax

35% of gross interest income, if interest is higher than CHF 200

Account overdraft

Not possible

Account opening

Free of charge, 100% online

Account management


Booking and balancing charges


Account statement/balance

Free, annually as of 31 December

Online access

Free access to mySavings, account queries possible

Further provisions

To open a Children's Savings Account, you will need to send us your child's birth certificate once by post.

Uncomplicated paperless communication exclusively via mySavings access.

Payments can be made easily via IBAN and QR payment slip.

Simply notify us of withdrawals online via mySavings.

The General Terms and Conditions for savings products of Cembra Money Bank AG apply.

No powers of attorney can be granted to third parties.
1) As of: 01.02.2024. The effective interest rate may be adjusted by the Bank at any time and without prior announcement.
2) If the notice period is not complied with, an early withdrawal penalty of 2% is charged on the amount in excess of the available withdrawal options.

Other savings products

Flex Savings Account

Your flexible and clever investment – benefit from attractive interest rates and maximum flexibility.

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Savings Account

Your balanced investment and ideal solution for medium-term savings – benefit from preferential interest rates and a 3-month notice period.

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Savings Account Plus

Your high-interest investment and best choice for maximum returns – benefit from the highest interest rate with a 6-month notice period.

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Medium-term note

We guarantee the interest rate. Benefit from a fixed interest rate for the entire term of your medium-term notes.

Find out more

Medium-term notes

Benefit from a fixed interest rate for the entire term of your medium-term notes. This means you know in advance how much income you will generate.


Easily and securely manage your savings products online. With mySavings, you can access your savings, account transactions and tax documents at all times and send orders directly to us.