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
    • 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 under 14 will need a parent or legal guardian to open a Smart Access Account for Youth on their behalf.

    14 or over

    If you’re aged 14 or over, you can apply for an Everyday Account Smart Access yourself - online or in-branch. 

  • What you need to apply

    Your child needs to have:

    • An Australian residential address
    • A birth certificate or passport
    • Tax residency information

    Parents or legal guardians who don't already bank with us, will also need at least 1 form of ID e.g. Driver’s licence, Medicare card, passport or birth certificate

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

How to apply

There are 3 ways to open this account:

Online - new account

For children aged 9 to 13 who don’t already have a bank account

Open a Youthsaver account first, then add a Smart Access Account for Youth. You can pay your child’s pocket money into their Smart Access Account for Youth and encourage them to save by transferring money into their Youthsaver account. Youthsaver offers bonus interest for reaching savings goals.

Open a YouthSaver account

Online - with an 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


You can open a Smart Access Account for Youth, with or without a Youthsaver account, at a branch.

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

We’ll also need to check your child’s birth certificate or a court order to identify you as their parent or legal guardian.

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 target market for these products will be found within the product’s Target Market Determination, available here.

    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.