Who can apply?
Children under 14 will need a parent or legal guardian to open a Smart Access Account for Youth or a Youthsaver account on their behalf.
Over 14s can apply for an Everyday Account Smart Access without parental consent online or in
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
Children over 9 will get a Debit Mastercard® if their account is opened online.
Anyone opening an account in branch has the option of a Debit Mastercard or Keycard.
Parents or legal guardians can set a spending limit on the account (weekly default set at $20) in the CommBank app.
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
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 8.0+. 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.