---
title: "Youth Access Account — The Capricornian"
description: "Transaction & Savings Accounts from The Capricornian. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/the-capricornian/products/b8cd6f23-27b7-4840-ab9d-2f8bfeda0b4f
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-23T23:52:56.986481Z
---

# Youth Access Account — The Capricornian

> Transaction & Savings Accounts from The Capricornian. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts · THE CAPRICORNIAN**

The award-winning, Youth Access Account is designed for young people up to the age of 16 years, offering a full transactional account, no account service fee and no minimum monthly balance.

## At a glance

- **Base rate:** 2%

## Apply

Applications are handled by the provider: [Apply at The Capricornian](https://www.capricornian.com.au/about-us/contact-us/)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable (Account only for members under 18 years of age.) | 2% | YOUTH ACCESS ACCOUNT_Tier_1 | monthly |
| Variable (Account only for members under 18 years of age.) | 1.5% | YOUTH ACCESS ACCOUNT_Tier_2 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| EFTPOS Including declined transactions | Withdrawal | $0.70 |
| Dishonour Fee — Where there is not enough money in the account to pay a direct debit that the customer has setup. | Dishonour | $15.00 |
| International Transaction Fee Over The Counter — Transaction fee charged at the result of an International Transaction being actioned after a staff assisted transaction. | Payment | $30.00 |
| International Transaction Fee via Internet Banking — Transaction fee charged at the result of the processing of an international transaction via Internet Banking. | Withdrawal | $20.00 |
| Account Service Fee — Charged monthly · First account free for eligible members. $6.00 per month subsequent accounts. · Discount −$6.00 — First account free (eligibility: Other: Account service fee exempt on first account, $6.00 per month subsequent accounts.) | Ongoing | $6.00 |
| Visa Debit Cash Advance | Withdrawal | $0.70 |
| Foreign Currency Conversion Fees — Foreign Currency will be converted to Australian currency at the wholesale market rate by VISA | Purchase | 3% of transaction |

## Features

- **Real-time payments (NPP)** (Osko by BPAY available.
An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment.)
- **Digital banking** (Banking app and Online Banking available.
Access is available to online banking features for the product)
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Bill payment (BPAY)** — BPAY available
- **Notifications** — SMS and/or email notifications available
- **Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance.**
- **PayID** (Osko by BPAY available.
An account of this product type can be used as the target of an NPP PayID.)

## Eligibility

- **You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you**
- **Maximum age** — 16 years (Individuals up to the age of 16)
- **Residency status** — Individuals must be citizens or permanent residents of Australia

## More information from The Capricornian

- [Overview](https://www.capricornian.com.au/banking/student-youth-banking-account/)
- [Terms & conditions](https://www.capricornian.com.au/documents/conditions-of-use/)
- [Eligibility](https://www.capricornian.com.au/about-us/reports-policies-disclosures/target-market-determinations/)
- [Fees & pricing](https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/)

## Data provenance

- Published by The Capricornian under the Consumer Data Right
- Product ID: `b8cd6f23-27b7-4840-ab9d-2f8bfeda0b4f`
- Last updated by the provider: 23 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/the-capricornian/b8cd6f23-27b7-4840-ab9d-2f8bfeda0b4f
- Provider page: https://www.cdrcompare.au/brands/the-capricornian
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000183

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/the-capricornian/products/b8cd6f23-27b7-4840-ab9d-2f8bfeda0b4f) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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