{"id":7388,"date":"2026-07-16T13:42:00","date_gmt":"2026-07-16T11:42:00","guid":{"rendered":"https:\/\/clanq.ch\/?p=7388"},"modified":"2026-07-16T13:48:40","modified_gmt":"2026-07-16T11:48:40","slug":"children-account-pocket-money-saving","status":"publish","type":"post","link":"https:\/\/clanq.ch\/en\/children-account-pocket-money-saving\/","title":{"rendered":"Children\u2019s accounts \u2013 what parents need to know"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">At first glance, a children\u2019s account or children\u2019s savings account sounds quite simple: you open an account, pay money in and save for later. But many parents soon realise that there\u2019s much more to it than that.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When is the right time for a child to have their own account? Should pocket money be paid in cash or digitally? Does my child need a debit card already? And how can I not only save, but also provide for my child\u2019s future in the long term?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These are precisely the questions many families in Switzerland are asking themselves. After all, money is no longer just coins in a piggy bank. Today\u2019s children see adults paying by card, mobile phone or smartwatch. This often makes money seem less tangible to them. This makes it all the more important for parents to consciously guide their children in how to handle money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A children\u2019s account can be a good place to start. It\u2019s even better when it\u2019s not just about keeping money safe, but about understanding, planning, saving and learning.<\/span><\/p>\n<h2><b>What exactly is a children\u2019s account?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A children\u2019s account is an account opened in the name of a child or young person. Depending on the bank and the child\u2019s age, it may be a savings account, a youth savings account, a youth account or part of a children\u2019s or youth package.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many Swiss banks have special offers for children and young people. The main difference between the account types is this:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A <\/span><b>savings account <\/b><span style=\"font-weight: 400;\">is primarily intended for putting money aside.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A <\/span><b>children\u2019s or youth account, <\/b><span style=\"font-weight: 400;\">or a personal account for under-18s, is more likely to be used for day-to-day purposes \u2013 such as pocket money, first purchases, wages from holiday jobs or digital payments .<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For parents, therefore, the first question is not about the interest rate, but what the child should use the account for: saving for the future or everyday use?<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Who owns the money?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">At most banks, the child is the account holder. The money therefore belongs to the child, and the parents manage it until the child reaches the age of majority. The most important consequence of this is that the parents\u2019 power of attorney expires on the child\u2019s 18th birthday. The child gains sole control over all their savings \u2013 whether or not they are mature enough to handle a certain sum at that point is legally irrelevant.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At some banks, the parents are the account holders. This has the major advantage that the parents can decide for themselves when and how the child receives the money. Our recommendation: hand the money over to the child in stages \u2013 precisely when it is really needed, for example for their first flat, their studies or their driving licence.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the Clanq app, too, the money legally belongs to a parent, even if the \u00abdigital piggy bank\u00bb is opened in the child\u2019s name. With savings goals, parents can clearly specify in the app what the money is being saved for.<\/span><\/p>\n<h2><b>When should a child have their own account?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The right time depends less on the child\u2019s age than on their maturity and the parents\u2019 goals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For young children, a savings account or a digital savings goal is often sufficient. Parents, grandparents or godparents can set money aside there for later. The child does not yet need to manage the account themselves, but can gradually begin to understand: this money is for me, for a goal, for the future.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once pocket money becomes a regular thing, having an account becomes more exciting. Then the child can learn to manage their money: spending some, saving some, and perhaps setting some aside for a bigger goal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In other words, having a bank account can be a sensible idea from an early age. With Clanq, for example, parents can set up a digital \u2018safe\u2019 even before the child is born to save for them. There are still many small steps to take before the child is ready to manage their own finances and therefore needs their own account in their name.<\/span><\/p>\n<h2><b>Debit cards for children: sensible or too early?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Many parents ask themselves: Should my child have a card already?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The answer is: it depends. A debit card can be a good idea if the child understands that digital payments involve real money. However, it may also be too soon if it makes money completely invisible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Digital payment methods require a little more guidance. <\/span><a href=\"https:\/\/www.projuventute.ch\/de\/eltern\/familie-gesellschaft\/bargeld?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Pro Juventute<\/span><\/a><span style=\"font-weight: 400;\"> recommends teaching younger children how to handle cash first, as cash is more tangible. Card payments and mobile payments require a certain level of maturity and should be introduced by parents gradually and with support.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A key advantage of youth accounts and debit cards for children is that <\/span><b>overdrafts <\/b><span style=\"font-weight: 400;\">are<\/span><b> generally not permitted<\/b><span style=\"font-weight: 400;\">. In addition, daily and monthly limits or restrictions on online purchases can help children exercise self-control.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For parents, the following questions are therefore crucial:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Has my child understood that a card payment is real money?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Can my child manage a weekly or monthly allowance?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Can I, as a parent, set limits?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Can I see what my child is spending their money on?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Is there protection against going into the red or making unwanted online purchases?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A card is no problem when used in the right context. It becomes problematic when used without discussion, without limits and without a framework for learning.<\/span><\/p>\n<p><b>Pocket money: cash, digital or both?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pocket money is often a child\u2019s first real experience of having their own money. It is not just a sum of money, but a learning opportunity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Through pocket money, children learn:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Money is limited.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Different things cost different amounts.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Spontaneous spending has consequences.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Saving takes patience.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Small amounts can grow over time.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Cash is particularly helpful at the start. A child can see how many coins they have and what\u2019s left after a purchase. This makes money tangible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Later on, digital pocket money can be a good idea. This is particularly true when children see in everyday life that adults hardly ever pay with cash anymore. It\u2019s important that parents don\u2019t just transfer money, but talk to their child about it: What would you like to buy? What would you like to save for? What was a good decision? What would you do differently next time?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our tip: A good solution combines both. Young children can start with cash. At the same time, parents can set up digital savings goals, for example for a bike, a toy or, later on, for education and the future.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can find more tips in our blog article <\/span><a href=\"https:\/\/clanq.ch\/en\/this-is-what-pocket-money-is-all-about\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">This is what pocket money is all about<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><b>Saving for children: a piggy bank, a children\u2019s bank account or a digital savings goal?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Saving doesn\u2019t start with large sums. Saving starts with a goal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For a child, \u00abfor later\u00bb is often too abstract. \u00abFor a new bike\u00bb or \u00abfor the holidays\u00bb is much easier to understand. That\u2019s why savings goals work better than an anonymous account balance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many Swiss families use traditional children\u2019s or youth savings accounts to keep gift money, birthday money or regular contributions. Such accounts can be a good start. But they do not automatically address the issue of financial education.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After all, a child doesn\u2019t learn to save simply because an account exists somewhere. They learn to save when they see a goal taking shape.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is exactly where savings goals come in. Parents work with their child to decide: What are we saving for? How much more do we need? Who is putting money in? What happens if we wait instead of buying straight away?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We recommend making a clear distinction between short-term wishes and long-term goals. In the Clanq app, for example, it works like this: in the digital savings barrel, the child can set aside their pocket money for small treats. The digital piggy bank is for the bigger goals and the child\u2019s future.<\/span><\/p>\n<h2><b>Grandparents, godmothers and godfathers: how can the family help with saving?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Many children receive monetary gifts not just from their parents. Grandparents, godmothers, godfathers and other close relatives also want to contribute.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The traditional approach: money is given as a cash gift or transferred to an account. This is simple, but often not very visible. The child doesn\u2019t necessarily understand what the money is intended for. And the family doesn\u2019t see the goal growing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A more modern solution is joint saving. The family can contribute towards specific goals: education, a first bike, a language stay, a driving licence or simply a financial start to adult life.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Transparency is key here. Anyone contributing money should know what it\u2019s for. At the same time, parents need to retain control. Not every family member needs access to the account or needs to see the full balance. It\u2019s enough for contributions to be transparent and the savings goal to be visible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Incidentally, <\/span><a href=\"https:\/\/clanq.ch\/en\/family\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Clanq\u2019s Family Clan feature<\/span><\/a><span style=\"font-weight: 400;\"> works exactly like this: family members can easily contribute to the savings and keep track of their contributions for the child. Parents have full access to the account.<\/span><\/p>\n<h2><b>Investing for children: when is saving not enough?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Many parents start with a savings account. That\u2019s understandable: it feels safe, it\u2019s simple and the money remains accessible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But when it comes to long-term goals, another question arises: is saving alone enough?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If parents are setting money aside for their child over many years, investing can be a sensible addition. This is because, for goals with a long time horizon \u2013 such as education, university or starting out in adult life \u2013 funds or other broadly diversified investments can offer greater potential returns in the long term than a savings account.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Of course, investing involves risks. The value of investments can fluctuate. Parents should therefore only invest money that is not needed in the short term, and the solution must suit their own risk profile.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A savings plan can be particularly practical for families. Instead of investing a large sum all at once, a small amount is invested regularly. This makes investing part of everyday life \u2013 much like pocket money or saving.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At Clanq, this is precisely the idea at the heart of what we do: small amounts can make a difference over many years. This is especially true when saving, cashback and investing are considered together.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this blog article, you can read more about <\/span><a href=\"https:\/\/clanq.ch\/en\/interview-investing\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">what parents need to know about investments<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><b>Financial literacy: the piggy bank as a learning opportunity<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A digital piggy bank isn\u2019t just a financial product. It\u2019s a starting point for many important conversations.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What is a wish?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What is a goal?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Why can\u2019t I buy everything straight away?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What does saving mean?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What does investing mean?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What is a budget?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Why does something cost more in the shop than I expected?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What happens if I spend all my pocket money on the first day?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Conversations like these don\u2019t have to be complicated. They happen in everyday life: when shopping, when planning holidays, when paying at a restaurant, or when a child asks for something.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Parents don\u2019t need to be financial experts to handle these situations. Above all, they need to be willing to talk about money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can find tips on how children can have fun whilst achieving their savings goals in our blog article <\/span><a href=\"https:\/\/clanq.ch\/en\/playful-saving\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">How children can learn to save through play<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><b>What parents should look out for when choosing a bank account<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When choosing a family finance solution, it\u2019s worth looking beyond the interest rate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following points are particularly important:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Costs: <\/b><span style=\"font-weight: 400;\">Is the account free to hold? Are there any fees for a card, the app or cash withdrawals?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Age: <\/b><span style=\"font-weight: 400;\">At what age can the account be opened? At what age can a card be issued?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Control: <\/b><span style=\"font-weight: 400;\">Can parents set spending limits and monitor expenditure?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Security: <\/b><span style=\"font-weight: 400;\">Is it impossible to go into the red? Can online payments be restricted?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Learning factor: <\/b><span style=\"font-weight: 400;\">Does the solution help the child to really understand money?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Savings goals: <\/b><span style=\"font-weight: 400;\">Can wishes and long-term goals be made visible?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Family: <\/b><span style=\"font-weight: 400;\">Can grandparents or godparents easily contribute to the savings?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Future: <\/b><span style=\"font-weight: 400;\">Are there opportunities to invest for the long term later on?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">So the best account for children isn\u2019t automatically the one with the highest interest rate. It\u2019s the solution that suits the family and helps children become more financially independent, step by step.<\/span><\/p>\n<h2><b>Why Clanq thinks beyond just an account<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Many traditional accounts answer a simple question: where is the money?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Clanq goes one step further and asks: How can this money be put to good use in everyday family life?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With Clanq, families can save money for their children, visualise savings goals and collect cashback. Every purchase can generate cashback that can be used for the child\u2019s future. This way, saving doesn\u2019t become an extra chore, but part of everyday life.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The wider family can also be involved. Grandparents, godparents or other close relatives can help save for a child \u2013 without taking control of the account.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And with <\/span><a href=\"https:\/\/clanq.ch\/en\/kids-banking\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Clanq Kids Banking<\/span><\/a><span style=\"font-weight: 400;\">, financial education becomes more playful. Children shouldn\u2019t just see that money is there; they should understand how to manage it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After all, it\u2019s not just about opening an account. It\u2019s about equipping children with a healthy approach to money.<\/span><\/p>\n<h2><b>Conclusion: A children\u2019s account is the start, not the end<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">An account can be an important first step. But it\u2019s only truly valuable if it becomes part of a wider financial journey.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Children don\u2019t just need a bank account. They need guidance. They need conversations. They need to make small decisions, have real-life experiences and have adults to support them.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether it\u2019s pocket money, a debit card, a savings goal or investing: what matters isn\u2019t doing everything perfectly. What matters is starting early and making money visible in everyday life.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is how children learn that money isn\u2019t just something to be spent. It can be planned, saved, shared and put to use for the future. And that is perhaps the most important thing we can pass on to our children.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Get started with your family finances today! With Clanq, you can earn cashback, set digital savings goals and guide your child step by step in managing money. <\/span><a href=\"https:\/\/api-production.clanq.ch\/api\/v1\/mobile\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Download the Clanq app<\/span><\/a><span style=\"font-weight: 400;\"> and give it a go!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>From pocket money to investing for families<\/p>\n","protected":false},"author":2,"featured_media":7383,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-7388","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-knowledge"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Accounts for children \u2013 what parents need to know | Clanq Blog<\/title>\n<meta name=\"description\" content=\"A children\u2019s account is more than just a savings account. 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