WESTPAC CHOICE YOUTH BANK ACCOUNT WITH DEBIT CARD
Get a head start with a Westpac Choice Youth account. A simple-to-use kids bank account with a debit card that will grow up with you.
At a glance
$0
Account-keeping fees
No monthly fees for kids and teens and those under 30. Other fees may apply.
$0
Cash withdrawal fees
In branch, from our ATMs and select partner ATMs. Plus, unlimited transactions and account enquiries.
8 YEARS +
Get a debit card
14 or older? Automatically receive a Debit Mastercard® linked to your account. Under 14? You’ll need to order a card.
Under 18? You could get $50 on us
Open both a Choice Youth everyday account and a Bump savings account. Deposit at least $100 into your savings within 30 days, and we’ll give you $50. Ends 30/09/2025. New customers only. T&Cs apply.
Kid-friendly features at your fingertips
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Banking on the go
Manage your account on your phone with the Westpac App.
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PayID® payments
Over 14? Get paid instantly with just your mobile number.
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We’ve got your back
24/7 fraud monitoring and our Fraud Money Back Guarantee.
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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 to your Westpac Choice Youth account. It’ll help give a kick-start to your money skills with kid-friendly features designed to keep your money safe and secure.
For kids 14 and older, the debit card is automatically linked when the account is opened. For kids aged 8-13, a parent or guardian needs to order their card separately.
Voted Canstar's Outstanding Value Junior & Youth Banking 2024/2025
To receive Parental notifications, Parental Controls will need to be activated on your account.
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, a parent, grandparent, or guardian must be an account signatory. As the account holder, the child must also be registered for:
- Westpac Online Banking
- Westpac Telephone Banking
to access their account 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. Access levels can be changed 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, a parent, grandparent, or guardian must be an account signatory. As the account holder, the child must also be registered for:
- Westpac Online Banking
- Westpac Telephone Banking
to access their account 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. Access levels can be changed 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
- 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.
NOTE: If a child aged 14-17 chooses to open their account at a branch, they must attend in person.
Smart Budgeting and savings tools
LAYERS OF SCAM AND FRAUD PROTECTION
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 |
|---|---|
| Online Banking withdrawal (including Mobile Banking) | $0 |
| Telephone Banking withdrawal (self service) | $0 |
| Telephone Banking withdrawal (staff assisted) | $0 |
| Branch staff assisted withdrawal | $0 |
| Direct Debit | $0 |
| Point of Sale (POS) transactions | $0 |
| ATM cash withdrawals in Australia (ATM providers may charge a fee – watch out for that!) | $0 |
| Overdrawn Fee (for more information: Overdraw Preference Feature) | $15 |
| Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement | 15.01% p.a. |
| Overseas Withdrawal Fee from a Global Alliance Partner ATM (for more information on Global Alliance Partners: 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 |
This account doesn't earn interest. If you'd like to earn interest, you can open a Bump savings account at the same time. Find out how
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: a parent or guardian will need to open and manage your account. Your parent or guardian will automatically be set up as a signatory. This means they can act on your behalf in branch and in Online Banking.
If you're 14 years or over: you can open and manage your account yourself. If you’d like a parent or guardian to have access to your account, you’ll need to set that up. Please visit one of our branches and we can help you with:
- Signatory access: branch and online access to account
- Third party access: visibility of account online.
A signatory is someone, such as a parent, grandparent, or guardian, who can operate your account in branch. If you’re under 14, you’ll need to have a signatory on your account. They can help you look after your banking.
A third party is someone who has been given value access to your account in Online Banking. This person can see your account in their own Online Banking. Depending on their permission level, they can either:
View the account only – just look at your account activity
OR
View and transact with the account – pay for things or transfer money.
A third party may or may not be the same person as a signatory.
Access can be set up when an account is opened, or it can be added 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
- 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.
If you’re 14 or over: the above will not apply.
When you turn 14:
- You don’t have to have a parent or guardian as a signatory on your account anymore. If you want to remove them, you can go to one of our branches. It might be a good idea to talk with your parents or guardians before you do this.
- You’ll be able to make BPAY® or international payments in Online Banking or the Westpac App.
If a parent or guardian has access to your Choice Youth account, they may have set up Push Notifications. These alerts let them know when money goes in or out of your account. When you turn 18, they won't get these alerts anymore, 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. So, it’s best to chat with those people first, before making any changes.
If you’d like to stop third parties receiving notifications:
- If you’re 12 or older: you can do this in Online Banking on a PC or laptop
- If you’re under 12: you can do so by visiting any Westpac branch.
Help when you need it
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.
*Claim based on "The Forrester Digital Experience Review™: Australian Mobile Banking Apps, Q4 2024" an evaluation of five Australian Banks.
Protected by the Financial Claims Scheme (FCS): If you have a Westpac deposit account, in certain circumstances you may be entitled to a payment under the FCS. Payments under the FCS are limited for each customer. You can find out more information from the APRA website at www.fcs.gov.au.
PayID® is a registered trademark of NPP Australia Limited and any use of its marks by Westpac is under license.
BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.