Everyday banking for Kids and Teens
Why choose a Westpac Choice Youth transaction account?
More money in your pocket
$0 monthly fees mean your money can go even further.1
Banking at your fingertips
Banking made simple on your phone with the Westpac App.
We've got your back
24/7 fraud monitoring and our Fraud Money Back Guarantee.3
Sweet offers and discounts
To help you save – think movie tickets, fashion and more.
Under 18? Get $30 on us
Manage your money with a Debit Card
If you’re at least 8 years old, you can link a Debit Mastercard®2 to your Westpac Choice Youth account, giving a kick-start to your money skills with kid-friendly features that will help keep your money safe and secure.
The debit card is automatically linked when the account is opened, except for children under 14. For children 8-13, a parent or guardian must order their card separately.
How do I open a kids bank account?
You can open your new account online now. We'll ask for your name, date of birth and a few other details, along with a form of ID.
What do I need?
Two forms of ID:
- Australian birth certificate
- Australian driver licence
- Passport
- Medicare card
Your tax residency status:
If you’re not required to pay tax in another country, put NO on your application. Otherwise, please give us the details.
Make good money habits your super power
Set your sights on savings with a Bump account
Do you already have a transaction account or just want to concentrate on saving? Open a Westpac Bump account to separate your savings from spending and get bonus interest when you make regular savings.
Open a savings and everyday account together
We've made it simple for you to set up all your bank accounts in one go. Open a Choice Youth everyday account (with Debit Mastercard®2) when you open your Bump savings account.
Account features
Apple and Google PayTM
Link your card to Apple Pay, Google Pay, Samsung PayTM, Fitbit Pay and Garmin Pay to make fast contactless payments with your mobile or wearable.5
Simple and secure
Now you can sign into the Westpac App, safely and securely using facial recognition, your fingerprint or 4-digit passcode.6
ATM network at home and overseas
Pay no ATM withdrawal fee at Westpac Group ATMs in Australia, and overseas through our Global ATM Alliance. Other fees may apply.7
Pay and get paid in seconds
Use PayID® to get paid instantly by your friends and family with just your mobile number. You can also tap and go using your mobile or your Debit Mastercard.
Account fees
Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 621KB)
Frequently asked questions
If you're 8 years or over, you can link a Debit Mastercard to your Westpac Choice account. If you're 8-13 and would like a debit card, a parent or guardian will need to order it after you open your account. If you're 14 and over, you don't have to, as a debit card automatically comes with the account when you open it.
Grow your independence with pocket money
Managing your pocket money is much simpler when paid regularly and directly to your account. Find out how your parents can set up pocket money payments via the Westpac App.
Banking should be safe for kids
With account activity notifications for parents, sensible limits on online banking payments, simpler payment options, and more - we’re encouraging safe and secure banking habits.
Financial literacy for kids and teens
We're here to help you learn how to better manage your money with simple lessons, tips and tricks to help build good money habits to get ahead and stay ahead.
Things you should know
Before making a decision about any of our products or services, please read all the terms and conditions and consider whether the product or service is right for you. Fees and charges apply and may change.
1. Monthly account keeping fees are waived for customers under 30. For a full list of fee waiver eligibility, refer to our Terms and Conditions (PDF 621KB)
3. Westpac Fraud Money Back Guarantee: ensures that customers will be reimbursed for any unauthorised transactions, provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the Westpac Debit Mastercard Terms and Conditions for full details, including when a customer will be liable.
4. Parental Control: Parent or legal guardian must be an account signatory to have Parental Control. There’s a limit of two signatories per Bump Savings account. Parental Control does not apply to a child’s access to funds in branch, however a parent (or guardian) signatory must authorise branch withdrawals where a child is under 12. Child if eligible must be registered for Westpac Online Banking and Westpac Telephone Banking to access accounts online or over the phone. Bump Savings account holders have access to their account via Online Banking and Telephone Banking, subject to any Parental Controls. For children aged 12 years and over: Parental Control is optional and access levels can be amended by the child at any time. For children under the age of 12: Parental Control is mandatory, and self service Telephone Banking is not available.
5. Google Pay: Read the Terms and Conditions (PDF 125KB) (PDF 125KB) (PDF 125KB) before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system.
6. Finger print login: Fingerprint sign in is available on compatible devices only. Customers must be registered for Westpac online banking and have set up fingerprint ID to use the service.
7. Global ATM: A 3% Westpac Foreign Transaction Fee applies to overseas debit card withdrawals. A list of Global Alliance members is available. To ensure access to savings and/or cheque account funds when overseas obtain a Debit Mastercard®.
* Youth Promotion Terms and Conditions
- To receive $30 you must meet the eligibility criteria and satisfy the requirements in these Terms and Conditions. This promotion commences 11/04/2024 and is available for a limited time only.
- Available to new or existing Westpac customers under 18 years of age (Customer), who have not previously held a Westpac Bump Savings and/or Westpac Choice Youth account.
- However, this promotion excludes Customers who, within the last three years, have:
- opened and closed these accounts (and no longer hold any Westpac Bump Savings or Westpac Choice Youth account);
- become a Customer of the Westpac Group and no longer hold any products or are no longer a Customer.
- During the promotion, the Customer must open the required account(s) so that the customer holds both a Bump Savings and Choice Youth account in the Customer’s name. The Customer must also deposit a cumulative minimum amount of $100 into their Bump Savings account within 30 days of opening the account(s).
- Deposit must be Customer initiated and does not include interest payments into your account.
- The $30 promotion amount will be paid into the Customer’s Westpac Choice Youth account within 50 days of meeting these Terms and Conditions. Both the Westpac Bump Savings account and the Westpac Choice Youth account must remain open during the period for the $30 promotion amount to be paid.
- Each eligible Customer is only entitled to one $30 promotion amount payment when the Customer has met all the requirements set out in these Terms and Conditions.
- In the event multiple eligible accounts are opened for the same Customer, the $30 promotion amount will be paid to the Customer’s Westpac Choice Youth account that was opened first.
- We reserve the right to withdraw, amend or extend this offer at any time.
- Deposit Accounts for Personal customers Terms and Conditions (PDF 621KB) (PDF 621KB) apply to Westpac Bump Savings and Westpac Choice Youth accounts. Please read these terms and conditions carefully to determine whether these products are right for your needs and requirements.
Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Google Pay™ is a trademark of Google LLC.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co.
Fitbit and Fitbit Pay are registered trademark(s) or trademark(s) of Fitbit LLC and/or its affiliates in the United States and other countries.
PayID® is a registered trademark of NPP Australia Limited and any use of its marks by Westpac is under license.
Mastercard® is a registered trademark of Mastercard International Incorporated.