€0/month*

Between the ages of 12 and 18, you start doing more things on your own. Going out, paying for things, saving, planning ahead: youniq teens is with you today and helps you build your future.

Learn to manage your money today while planning for tomorrow.

For what matters today…

Going out, shopping, pocket money, quick transfers between friends: with youniq teens, you manage your daily life easily and at your own pace.

Current account & payment methods

  • Current account without overdraft facility
  • Visa Debit card with adjustable limits
  • Access to R-Net online banking, Wero (from age 12 with parental consent) and Apple Pay (from age 16)
  • Free cash withdrawals at Raiffeisen, Post Luxembourg and Bancomat ATMs

Visa Debit card

Whether you're grabbing lunch between classes, going out, or shopping, your card goes everywhere with you. The card is linked directly to your current account, making it easier for you to keep track of your spending and manage your budget more effectively.

Included in the youniq teens offer.

Great deals with your Visa Debit card

Discounts, offers and exclusive content from our partners: your Visa Debit card gives you access to deals designed just for you.

And more coming soon...

To enjoy these benefits, simply show your Raiffeisen Visa Debit card and your ID. New perks are added regularly.

1 free smash burger
10% cashback
Buy 1 ticket, get 1 free

offers greater peace of mind for parents.

With youniq teens, your teenager learns the basics of day-to-day money management in a simple, secure environment.

View your childrens’ accounts in real time

Adjust their Visa Debit card limits to suit their needs

Transfer money to them instantly

Work directly from your own R-Net app

Your account, always at your fingertips with R-Net.

With R-Net, you can easily keep an eye on your money from your smartphone: checking your balance, tracking your spending, or managing your account on a daily basis becomes easier, faster, and more secure.

Alternative savings

R-PlanInvest is more than just a savings account: your money isn’t simply held in an account, it is invested to help it grow over time. It’s a practical way to fund future projects.

  • Accessible starting at €50/month 
  • Regular contributions for steady, long-term progress 
  • Freedom to top up the plan whenever you like

A dedicated advisor by your side

The first steps towards financial independence often raise questions. An advisor is there to support you and your teenager in managing their money.

A dedicated advisor by your side

The first steps towards financial independence often raise questions. An advisor is there to support you and your teenager in managing their money.

In-branch

In-branch

Visit a branch to speak with your advisor in person. 

Existing customer

Existing customer

Log in to online banking to contact your advisor.

Your screen, your style

Download the exclusive youniq x petit_niochi design and make it your new background.

Discover the world of youniq

Further information

Documents to download
1
youniq teens infosheet