Features & benefits

Responsible spending

Children aged 9+ will receive a Debit Mastercard® so they can practice their budgeting skills and pay for things with their own money. You can set card locks and a weekly spend limit so your child can learn with the protection of a safety net. 

Parental controls

In your own CommBank app, you can keep an eye on your child's spending and saving, change their weekly spend limit or lock contactless card payments, online payments, or your child’s card completely at any time

Keep track in the CommBank Youth app

Pay your child’s pocket money straight into their Smart Access Account for Youth. They can see their balance, transfer savings into their Youthsaver account and keep track of their money in the CommBank Youth app

Save on fees

$0 monthly account fee. No withdrawal fees when using CommBank or Bankwest ATMs. Every dollar your child earns can be put towards saving or spending.

Other fees may apply for transactions at non CommBank ATMs and international transactions, see all rates, fees and fee exemptions.

How it works

Manage money, responsibly

Smart Access Account for Youth is best used with our Youthsaver account so your child can manage their own money, while working towards their savings goals.

Learning to budget with a Debit Mastercard®

Children aged 9 years and over will get a Debit Mastercard if their account is opened online (a keycard can be requested if opened in a branch). Parents or legal guardians can adjust their child’s weekly spend limit, lock contactless and online payments, or the child’s card completely, at any time in their own CommBank app.

Who can apply?

Under 14

Children will need a parent or legal guardian to open a Smart Access Account for Youth or a Youthsaver account on their behalf.

14 or over

Apply for an Everyday Account Smart Access without parental consent online or in branch. 

What's needed?

Your child needs to have:

  • An Australian residential address
  • Their birth certificate

Parents or legal guardians who don't already bank with us, will need at least one form of ID e.g. Driver’s licence, Medicare card, passport or birth certificate. 

We’ll also ask you about your tax residency (a Government requirement). Here’s why.

How to apply

Three ways to open this account:

Online - with existing Youthsaver account

If your child’s already got a Youthsaver account and you can see that account in your NetBank, you can open a Smart Access Account for Youth online straight away by logging on to NetBank. 

Open in NetBank now

Online - new account

For children aged 9 up to 14

Open a Youthsaver first and choose to add Smart Access Account for Youth. It’s a time saving way to open two accounts at once.

Open a YouthSaver account

In branch

If the online options don’t apply to you, you can open a Smart Access Account for Youth or a Youthsaver account in branch.

We’ll need to check your ID (your driver’s licence, Medicare card, passport or birth certificate) and see your child’s birth certificate. 

Find your nearest branch

Backed by our 100% Security Guarantee

It’s important to teach your child about online security and how to protect their accounts. Discover more about staying safe online and check out some tips for families.

Our 100% security guarantee protects you from unauthorised transactions on personal and business accounts when you protect how you access your accounts and tell us if something is wrong. Tell me more.

Mother and daughter with tablet

Things you should know

As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on this advice, consider its appropriateness to your circumstances. Please view our Financial Services Guide (PDF 68KB). Full terms and conditions for the transaction and savings accounts (PDF | 660KB) mentioned and Electronic Banking are available here or from any branch of the Commonwealth Bank.

The CommBank Youth app is free to download however your mobile network provider charges you for accessing data on your phone. See the CommBank app minimum operating system requirements on the CommBank app page. Terms and conditions are available on the app. NetBank access with NetCode SMS is required.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.