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.
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.
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.
Your child needs to have:
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 cover any loss due to unauthorised transactions on your child’s account, as long as you and your child protect cards, devices, client numbers, PINs, passwords and any other access methods, and immediately notify us of their loss, theft or misuse or any suspicious activity on your child’s account.
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. The CommBank app is available on Android operating systems 4.0+ and iOS operating system 9.0+. 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.