Features & benefits

  • Responsible spending

    Children aged 9 years and over will have the option to 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

  • 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 have the option to receive 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.

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 have the option to receive 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 individual Everyday Account Smart Access yourself online or in-branch. 

    Open now

    Discover Everyday Account Smart Access

  • 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

    You'll need to provide ID for verification for yourself and your child within 20 days of opening the account or the account may automatically close. You can reapply at any CommBank branch. You’ll need to bring physical ID as we do not accept digital forms of ID.

    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

You can open a Smart Access Account for Youth if your child already has a Youthsaver account and you can see that account in your NetBank. 

Open Smart Access now

In-branch

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

Protection for unauthorised transactions

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.

We’ll protect you from losses due to unauthorised transactions on personal and business accounts when you take the necessary steps to stay safe online.

Mother and daughter with tablet

Things you should know