Everyday bank account for Kids and Teens
Get a head start with a Westpac Choice Youth account, the simple-to-use kids bank account with Debit Card that will grow up with you.
Why choose a Westpac Choice Youth transaction account?
More money in your pocket
$0 monthly fees mean your money can go even further.1
Banking at your fingertips
Banking made simple on your phone with the Westpac App.
We've got your back
24/7 fraud monitoring and our Fraud Money Back Guarantee.3
Sweet offers and discounts
To help you save – think movie tickets, fashion and more.
Manage your money with a Debit Card
If you’re at least 8 years old, you can link a Debit Mastercard®7 to your Westpac Choice Youth account, giving a kick-start to your money skills with kid-friendly features that will keep you safe and secure.
The debit card is automatically linked when the account is opened, except for children under 14. For children 8-13, a parent or guardian must order their card separately.
Get a 30% refund on eligible driving expenses
Aged 16 to 25? Open a new Westpac Choice everyday account and use your linked debit card to pay for expenses like your rego or licence and you could get up to $75 cashback. T&CS apply.
How do I open a kids bank account?
You can open an account online now. As the account holder you can choose to give your parent or guardian access to your account with the Parental Control function.
To have Parental Control, parents, grandparents, or guardians must be an account signatory. As the account holder, the child must be registered for Westpac Online Banking and Westpac Telephone Banking to access accounts online or over the phone.
Parental Control is mandatory for children:
- Under 12 for a Bump savings account
- Under 14 for a Choice Youth everyday account.
Self-service Telephone Banking is not available.
Parental Control is optional for older children, and access levels can be amended in-branch by the child at any time.
Parental Control doesn't apply to a child’s access to funds in-branch. However, a signatory must authorise branch withdrawals where a child is under 14, and a debit card isn't available.
Your personal details:
- Name and date of birth
- Australian home address
- Mobile number
Two forms of ID:
- Australian birth certificate
- Australian driver licence
- Passport
- Medicare card
You’ll need a parent or guardian to open your account with you. A mandatory Parental Control function gives your parent or guardian control of your account.
To have Parental Control, parents, grandparents, or guardians must be an account signatory. As the account holder, the child must be registered for Westpac Online Banking and Westpac Telephone Banking to access accounts online or over the phone.
Self-service Telephone Banking is not available, and Parental Control is mandatory for children:
- Under 12 for a Bump savings account
- Under 14 for a Choice Youth everyday account.
Parental Control is optional for older children, and access levels can be amended in-branch by the child at any time.
Parental Control doesn't apply to a child’s access to funds in-branch. However, a signatory must authorise branch withdrawals where a child is under 14, and a debit card isn't available.
To open the account online now:
Your parent/guardian must be at least 18 and a Westpac customer.
If they’re not a customer, they could open a Westpac Choice transaction account online before opening your account. Otherwise, to open your account, they’ll need to head into a Westpac branch.
Your personal details:
- Name and date of birth
- Australian home address
- Mobile number
Two forms of ID:
- Australian birth certificate
- Passport
- Medicare card
As the parent or guardian to a:
Child under 14
You'll need to open the account for your child. Please follow the process outlined under the 'I'm under 14' tab. Accounts for children under 14 can be opened online if a parent or guardian is at least 18 and a Westpac customer. Otherwise, the account will need to be opened at a branch.
NOTE: If you choose to open an account for a child under 14 at a branch, the child doesn’t have to attend in person.
Child aged 14 – 17
The child can open the account themselves. Please follow the process outlined under the 'I'm 14-17' tab. A child aged 14-17 can open their account online or at a branch.
Make good money habits your super power
Set your sights on savings with a Bump account
Do you already have a transaction account or just want to concentrate on saving? Open a Westpac Bump account to separate your savings from spending and get bonus interest when you make regular savings.
Open a savings and everyday account together
We've made it simple for you to set up all your bank accounts in one go. Open a Choice Youth everyday account (with Debit Mastercard®2) when you open your Bump savings account.
Account features
Apple and Google PayTM
Link your card to Apple Pay, Google Pay, Samsung PayTM, Fitbit Pay and Garmin Pay to make fast contactless payments with your mobile or wearable.5
Simple and secure
Now you can sign into the Westpac App, safely and securely using facial recognition, your fingerprint or 4-digit passcode.6
ATM network at home and overseas
Pay no ATM withdrawal fee at Westpac Group ATMs in Australia, and overseas through our Global ATM Alliance. Other fees may apply.7
Pay and get paid in seconds
Use PayID® to get paid instantly by your friends and family with just your mobile number. You can also tap and go using your mobile or your Debit Mastercard.
Account fees
| Standard fees (fees may change) | Amount |
|---|---|
| Account-Keeping Fee (usually $5) is waived for under 30s | $0 |
| Standard fees (fees may change) | Amount |
|---|---|
| ATM cash withdrawals in Australia (ATM providers may charge a fee – watch out for that!) | $0 |
| Overdrawn Fee | $15 |
| Overseas Withdrawal Fee from a Global Alliance Partner ATM (for more information on Global Alliance Partners see Accessing your accounts overseas) | $0 |
| Overseas Withdrawal Fee from a non-Global Alliance Partner ATM | $5 |
| Transactions made in foreign currency, and the merchant or financial institution is located outside Australia | 3% of the AUD transaction amount |
| Transactions made in foreign currency, and the merchant or financial institution is located in Australia | 2.2% of the AUD transaction amount |
| Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement. | 15.01% p.a. |
Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 712KB)
Frequently asked questions
If you're 8 years or over, you can order a Debit Mastercard to link to your Westpac Choice account.
Once you receive your debit card, follow the activation steps to activate it in Online Banking or the Westpac App.
Are you under 14? As the cardholder, sign into the Westpac App or Online Banking using your customer ID and password. A parent or guardian can then help you follow the card activation steps.
- If you're under 14, we will require a parent or guardian to open and manage your account. Your parent or guardian will be set up as a signatory, meaning they can act on your behalf in branch and within online banking.
- If you're 14 years or over and would like a parent or guardian to have access to your accounts, please visit one of our branches and we can help you with the following
o Signatory access: Branch and online access to account
o Third party access: visibility of account online
A ‘signatory’ is someone, such as parent, grandparent, or guardian, who can operate your account in the branch. If you’re under 14, you’ll need to have a signatory on your account to help you look after your banking.
A ‘third party’ is someone who has been given access to your account(s) in Online Banking. This person can see your account in their own Online Banking and depending on their permission level can either ‘view’ your account (just look at your activity) or ‘view and transact’ with your account (pay for things or transfer money). A ‘third party’ may or may not be the same person as the ‘signatory’.
Access levels can be set up and modified in branch.
- If you’re under 14, you won’t be able to make BPAY or international payments in Online Banking or the Westpac App. If you’re 14 or over, you’ll be able to use these services.
- If you’re under 14 when you register for online banking, you’ll be given a low default Daily Payment Limit of $50. This can be adjusted online and in the Westpac App.
A trusted person such as a parent or guardian may be a signatory on your account to help you look after your banking. When you turn 14, it is no longer mandatory to have a signatory on your account. Signatories can be removed by visiting one of our branches, but it’s important you talk with your parents or guardians before you do this.
If you’re under the age of 18, you may get a Choice account for Youth. If a third party, such as a parent, guardian or other trusted person, has access to your Choice Youth accounts, they may have set up push notifications, letting them know each time money goes into or out of your accounts to help you look after your banking. However, once you turn 18, they will no longer be able to receive push notifications about your account even if they still have access to your account.
Notifications are designed to help keep your money safe by letting trusted people know if your account is being used in an unexpected or worrying way. So, it’s best to chat with those people first, before making any changes.
If you’re 12 to 20 years old and you’re sure you don’t want a third party on your account to get notifications, you can remove their ‘third party access’ in Online Banking on a PC or laptop. If you’re under 12, you can do so by visiting any Westpac branch.
Grow your independence with pocket money
Managing your pocket money is much simpler when paid regularly and directly to your account. Find out how your parents can set up pocket money payments via the Westpac App.
Banking should be safe for kids
With account activity notifications for parents, sensible limits on online banking payments, simpler payment options, and more - we’re encouraging safe and secure banking habits.
Financial literacy for kids and teens
We're here to help you learn how to better manage your money with simple lessons, tips and tricks to help build good money habits to get ahead and stay ahead.
Things you should know
Before making a decision about any of our products or services, please read all the terms and conditions and consider whether the product or service is right for you. Fees and charges apply and may change.
1. Monthly account keeping fees are waived for customers under 30. For a full list of fee waiver eligibility, refer to our Terms and Conditions (PDF 712KB)
3. Westpac Fraud Money Back Guarantee: ensures that customers will be reimbursed for any unauthorised transactions, provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the Westpac Debit Mastercard Terms and Conditions for full details, including when a customer will be liable.
5. Google Pay: Read the Terms and Conditions (PDF 125KB) before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system.
6. Finger print login: Fingerprint sign in is available on compatible devices only. Customers must be registered for Westpac online banking and have set up fingerprint ID to use the service.
7. Global ATM: A 3% Westpac Foreign Transaction Fee applies to overseas debit card withdrawals. A list of Global Alliance members is available. To ensure access to savings and/or cheque account funds when overseas obtain a Debit Mastercard®.
Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Google Pay™ is a trademark of Google LLC.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co.
Fitbit and Fitbit Pay are registered trademark(s) or trademark(s) of Fitbit LLC and/or its affiliates in the United States and other countries.
PayID® is a registered trademark of NPP Australia Limited and any use of its marks by Westpac is under license.