SHKB Youth Package

Banking package for young people

General information:

Banking package of SHKB for young people (up to the age of 14, the signature of the holder of parental custody is required). Provides customers with private account youth, youth savings account, Visa Debit, online and mobile banking. Credit or prepaid card also available.

Age:

For individuals between 10 and 25 years of age.

Currencies:

CHF

Package / account management fee:

The account management is free of charge.

Private account interest rate:

Up to CHF 25,000: 0.1% per year.
From CHF 25,000: 0% per year.

Account opening:

The account opening is free of charge.

Closing of account:

The closing of account is free of charge.

Annual account closure:

The annual account closure is free of charge.

Statements of account:

The monthly statements of account by mail are free of charge.

Incoming payment:

Incoming payment in CHF are free of charge.

Outgoing payment (Switzerland):

Electronic payment orders in CHF are free of charge.

SEPA payment:

Fee of CHF 0.30 per electronic SEPA payment order in EUR.

Non-SEPA payment (abroad):

Fee of CHF 4.00 per electronic non-SEPA payment order in foreign currency.

Direct debit (LSV) Switzerland:

Electronic payment orders by direct debit (LSV) within Switzerland are free of charge.

Standing order Switzerland:

Electronic standing orders in CHF within Switzerland are free charge.

Annual fee debit card:

Debit card: There is no annual fee to pay.

Purchase Switzerland:

Debit card: Purchases in Switzerland in CHF are free of charge.

Purchase abroad:

Debit card: For purchases in foreign currencies, there is a fee of 1.75% of the purchase amount.

Cash withdrawal Switzerland:

Debit card:
Cash withdrawals in CHF at ATMs of the same bank in Switzerland are free of charge.
For cash withdrawals in CHF at ATMs of other banks in Switzerland, there is a fee of CHF 2.00 per withdrawal.

Cash withdrawal abroad:

Debit card:
Per cash withdrawal abroad, there is a fee of CHF 5.00.

Savings account interest rate:

Up to CHF 25,000: 0.3% per year.
From CHF 25,000: 0% per year.

Savings account
withdrawals:

Withdrawals up to CHF 10,000 per month are allowed without notice. There is a notice period of 3 months for higher amounts.

Credit card:

Bank package credit card (for persons above 18 years of age) or prepaid card free of charge.

Credit card
Purchase abroad in foreign curency:

For purchases abroad or online in foreign currencies there is an administrative fee of 1.75% of the purchase amount.

Reward program:

Switzerland-wide and regional discounts (Schaffhausen). Free printing of semester or diploma essays.