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Teaching real-life money skills to under 14s

Easy to use. Secure.

Everyday banking

Day-to-day banking

Develop money management skills. See account balance at a glance. Transfer pocket money from Smart Access Account for Youth to Youthsaver account. And back again. 

Grow money skills

Grow money skills

Learn to save by setting goals. Understand the value of money - creating chores/jobs, keeping track of every dollar earned and making sensible spending decisions.


Secure, digital experience

Fun, secure way to teach your child money management, with the reassurance of parental account controls. Your child can only transfer money between their own accounts in the CommBank Youth app.

youth app animation

Get started

Helping your child set up their first bank account

Bank account(s)

With their own bank accounts, your child can learn to save and spend responsibly in the CommBank Youth app. 

Youthsaver account – saving money 
Smart Access Account for Youth – managing money with parental spend controls.

Open either of these and your child will get a NetBank client number.

Got a Youthsaver but no NetBank client number? If you can see your child’s account in your NetBank or CommBank app, you can set this up online.
Otherwise, we can set this up in branch. You’ll just need to bring along personal ID, like your driver's licence and child’s birth certificate.

Teaching children about cash vs digital money

Download and log on

Download the CommBank Youth app on any iOS 9+ device.

Your child can log on securely using their NetBank client number.

Setting savings goals with your children

Hands-on experience

You’re ready to start helping your child make earning, saving and responsible spending decisions using their Smart Access Account for Youth and Youthsaver account in the CommBank Youth app.

Manage real money, digitally

  • Check account balance and transactions at a glance
  • Set a savings goal, track progress and celebrate with a virtual high five when the goal’s been reached
  • Prompts to get your child thinking before they transfer or spend their money
  • Create a list of chores/jobs together. Tick them off and pay pocket money as you go
  • Transfer money between Youthsaver account and Smart Access Account for Youth depending on saving and spending choices
  • See Dollarmites tokens balance if your child participates in School Banking 
  • Track your child’s CommBank Youth app banking activity, alongside your accounts, in the CommBank app.


Get the most from the CommBank Youth app

The CommBank Youth app works best when your child has our Youthsaver and Smart Access Account for Youth accounts. Used together, your child can manage their pocket money while working towards their savings goals.

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. 

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Smart access account for youth

Smart Access Account for Youth

A transaction account for under 14s that you can pay pocket money into. Your child can manage their own money, including what to spend it on, with the protection of parental spending controls.

Discover more

100% security, guaranteed

how 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.

Download the new youth app in the Apple store

Fun. Secure. Money skills for life.

Available on iOS 9+ devices

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 Youth app is available on iOS operating system 9.0+. NetBank access with NetCode SMS is required.

The CommBank 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.

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