Youth Bank Account and Debit Card

Transaction & Savings AccountsData Sharing Status

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.

Interest Rates

Type	Rate	Comparison	Applies To
Penalty The ULR is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement. It will be calculated daily on the debit balance (and deducted on the last business day of each month) using the then current ULR until the account balance is positive again.	15.01%	—	—

Type	Rate	Applies To	Interest Paid
Variable Standard Variable Rate	0%	—	monthly

Fee	Type	Amount
Account Keeping Fee Charged monthly −$5.00 — You will pay no Account-Keeping Fee as long as you are under 41. Other fees may apply	Ongoing	$5.00
Online Banking Online transfer withdrawals via Online Banking	Withdrawal	$0.00
Westpac Group Branded ATM - Withdrawal Any withdrawal made at a Westpac/St.George/Bank of Melbourne/BankSA branded ATM	Withdrawal	$0.00
Westpac Group Branded ATM - Balance Inquiry Any balance Inquiry made at a Westpac/St.George/Bank of Melbourne/BankSA branded ATM	Event	$0.00
Point of Sale (POS) transactions All transactions conducted at a POS terminal.	Purchase	$0.00
Telephone Banking (automated) Automated Telephone Banking transfer withdrawals	Withdrawal	$0.00

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
Cashback offer — 50.00: Double your $50 when you bank and save with Westpac. Open a new Choice Youth everyday account and an eligible savings account together between 1 February 2026 and 30 September 2026, and here?s how you can get $50: Deposit $50 or more into your new Choice Youth everyday account within 10 days. We?ll add $50 to your savings account once you meet the criteria. You must not have held any Westpac transaction account or savings account in the last 2 years. T&Cs apply.
Card access — Use your Debit Mastercard to shop securely online, access cash at ATMs and use PayPass to tap and go on purchases under $100. Debit Mastercard is available if you're 8 years old or over and have an Australian residential address.
Additional cards — up to 1
Unlimited transactions

Minimum age — 8 years
Residency status — Those with an Australian residential address and who are currently in Australia.
The card must be linked to an eligible Westpac account

Published by Westpac under the Consumer Data Right · Last updated 29 June 2026 · Product ID TrChoiceYouth · View on CDR.gov.au