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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.

Responsible spending

Responsible spending

Children aged 9+ will receive a Debit Mastercard®. You can set and adjust a spending limit for your child (weekly default is $20) and lock the card so it can’t be used. With your guidance, your child can withdraw their money at an ATM or pay for things in-store and online. 

Parental controls

Parental controls

Not only can you set spending limits and lock your child’s card, you can also keep an eye on their spending (and saving) habits alongside your own accounts in the CommBank app

Keep track of your child's spending

Keep track in 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

Save on fees

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

Two ways to open this account

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

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.


Already a customer banking online with us?

Save time by using your NetBank details.

Open in NetBank

New customer or don't bank online with us?

Open now


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

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 branch

What do you need?

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. 

Debit Mastercard®

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.

Consider these for your child too

Youthsaver account


A savings account that rewards regular savers with bonus interest. Your child can set a savings goal and move pocket money earned from chores/jobs into this account in the CommBank Youth app. 

Explore more

CommBank Youth app

CommBank Youth app

Wondering how to teach your child to earn, save and spend their money responsibly? The CommBank Youth app gives your child hands-on experience that’s fun and secure.

Take a look

100% security, guaranteed

Helping your chilHow to stay safe online

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 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.

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. 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.