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Westpac / Transaction & savings
Youth Bank Account and Debit Card
Get a head start with a Westpac Choice Youth account. A simple-to-use kids bank account with a debit card that will grow up with you.
Updated 21 Aug 2026Individually tailored product
- Deposit rate type
- Variable
- Rate
- 0%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Applicability conditions
- Rate applicability type
- Other
- Additional info
- Standard Variable Rate
- Lending rate type
- Penalty
- Rate
- 15.01%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Interest payment due
- In arrears
- Repayment type
- Other
- Loan purpose
- Other
- Applicability conditions
- Rate applicability type
- Other
- Additional info
- The ULR is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement. It will be calculated daily on the debit balance (and deducted on the last business day of each month) using the then current ULR until the account balance is positive again.
- Additional info uri
- View bank information ↗
- Additional value
- 1 month
- Name
- Account Keeping Fee
- Fee type
- Periodic
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $5.00
- Additional value
- 1 month
- Discounts
- Description
- You will pay no Account-Keeping Fee as long as you are under 41. Other fees may apply
- Discount type
- Eligibility only
- Discount method utype
- fixedAmount
- Fixed amount
- Amount
- $5.00
- Eligibility
- Discount eligibility type
- Max age
- Additional value
- 41
- Additional info
- Account-Keeping Fee (usually $5) is waived for under 41s
- Name
- Online Banking
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Online transfer withdrawals via Online Banking
- Name
- Westpac Group Branded ATM - Withdrawal
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Any withdrawal made at a Westpac/St.George/Bank of Melbourne/BankSA branded ATM
- Name
- Westpac Group Branded ATM - Balance Inquiry
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Any balance Inquiry made at a Westpac/St.George/Bank of Melbourne/BankSA branded ATM
- Name
- Point of Sale (POS) transactions
- Fee type
- Purchase
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- All transactions conducted at a POS terminal.
- Name
- Telephone Banking (automated)
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Automated Telephone Banking transfer withdrawals
- Name
- Telephone Banking (staff assisted)
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- A Telephone Banking transfer withdrawal assisted by a staff member over the telephone
- Name
- Cheque Withdrawals
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Withdrawals or payments made by cheque. Excludes cashing of a cheque. Only available to customers aged 18 years and over.
- Name
- Direct Debit
- Fee type
- Payment
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- A transfer of funds from your account drawn under a Direct Debit request you gave another person or company.
- Name
- PayTo payment
- Fee type
- Payment
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- A transfer of funds from your account in accordance with a Payment Agreement you have established with a merchant or Payment Initiator.
- Name
- Branch staff assisted withdrawal
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Includes any withdrawals conducted at a Westpac branch, including cashing of Westpac cheques.
- Name
- Periodical Payments
- Fee type
- Payment
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- An automated transfer that is debited from your account and credited to a specified account on a regular basis on your request. Additional fees apply for Periodical Payments made by Bank Cheque and International Periodical Payments. These additional fees are not included as part of any free monthly withdrawal allowance.
- Name
- Overseas Withdrawal
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Overseas Withdrawal Fee from a Global Alliance Partner ATM (for more information on Global Alliance Partners: Accessing your accounts overseas)
- Additional info uri
- View bank information ↗
- Name
- Overseas Withdrawal
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $5.00
- Additional info
- Any successful cash withdrawal made at an overseas ATM. Some overseas banks may also apply a surcharge to cash withdrawals from their ATMs. This should be drawn to your attention before you proceed with your transaction. This surcharge amount will be added to your withdrawal amount, converted to Australian dollars and debited to your account as one transaction on the same day the transaction was made, or on the next business day. This fee is nil for cash withdrawals from Global ATM Alliance and Westpac Group partner ATMs. To find an overseas ATM visit westpac.com.au and search 'Global ATM Alliance'.
- Name
- Foreign Transaction Fee (Merchant Outside Australia)
- Fee type
- Transaction
- Fee method utype
- rateBased
- Rate based
- Rate type
- Transaction
- Rate
- 3%
- Additional info
- 3% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located outside Australia (comprising of 2% Westpac Processing Fee plus 1% Westpac On-Charged Scheme Fee)
- Name
- Foreign Transaction Fee (Australian merchant)
- Fee type
- Transaction
- Fee method utype
- rateBased
- Rate based
- Rate type
- Transaction
- Rate
- 2.2%
- Additional info
- 2.2% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located in Australia (comprising of 2% Westpac Processing Fee plus 0.2% Westpac On-Charged Scheme Fee).
- Name
- Overdrawn Fee
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $15.00
- Additional info
- Nil for Westpac Choice where an account holder is under 18 years of age.
- Discounts
- Description
- This fee is waived for: Westpac Choice Youth where an account holder is under 18 years of age.
- Discount type
- Eligibility only
- Discount method utype
- fixedAmount
- Fixed amount
- Amount
- $15.00
- Eligibility
- Discount eligibility type
- Other
- Additional info
- Nil for Westpac Choice Youth where an account holder is under 18 years of age.
- Feature type
- Cashback offer
- Additional value
- 50.00
- Additional info
- Double your $50 when you bank and save with Westpac. Open a new Choice Youth everyday account and an eligible savings account together between 1 February 2026 and 30 September 2026, and here?s how you can get $50: Deposit $50 or more into your new Choice Youth everyday account within 10 days. We?ll add $50 to your savings account once you meet the criteria. You must not have held any Westpac transaction account or savings account in the last 2 years. T&Cs apply.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- $0 monthly account-keeping fees if you?re under 41
- Feature type
- Other
- Additional info
- $0 withdrawal fees and unlimited transactions
- Feature type
- Other
- Additional info
- PayID payments - Over 14? Get paid instantly with just your mobile number.
- Feature type
- Other
- Additional info
- Pocket money - Set up regular pocket money payments paid directly into their account.
- Feature type
- Other
- Additional info
- Manage your money with a debit card - If you?re at least 8 years old, you can link a Debit Mastercard to your Westpac Choice Youth account. It?ll help give a kick-start to your money skills with kid-friendly features designed to keep your money safe and secure. For kids 14 and older, the debit card is automatically linked when the account is opened. For kids aged 8-13, a parent or guardian needs to order their card separately.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Spending restrictions - To help protect you, we may decline some transactions on your Westpac Debit Mastercard based on the type of merchant. While this adds an extra layer of protection, it may not prevent all transactions with higher risk merchants.
- Feature type
- Other
- Additional info
- Parental notifications - Messages for parents or guardians about your account activity so they can guide and support you.
- Feature type
- Other
- Additional info
- Weekly spend limit - So you don't spend all your money at once. The limit can be changed as you get more experience.
- Feature type
- Other
- Additional info
- $0 international transfers when you send foreign currency overseas via Online Banking or the Westpac App. Westpac transfer fees still apply for funds sent in Australian dollars. Receiving bank fees may also apply, check the currency converter for indicative rates and fees.
- Additional info uri
- View bank information ↗
- Feature type
- Card access
- Additional value
- Use your Debit Mastercard to shop securely online, access cash at ATMs and use PayPass to tap and go on purchases under $100. Debit Mastercard is available if you're 8 years old or over and have an Australian residential address.
- Feature type
- Additional cards
- Additional value
- 1
- Feature type
- Unlimited txns
- Feature type
- Digital banking
- Additional info
- Digital Card Security: It's a digital version of your card available 24/7 in the Westpac App. The 3-digit CVC security number changes daily to ensure your details are kept safe.
- Feature type
- Npp payid
- Feature type
- Npp enabled
- Feature type
- Digital wallet
- Additional value
- Fitbit Pay
- Feature type
- Digital wallet
- Additional value
- Garmin Pay
- Feature type
- Digital wallet
- Additional value
- Google Pay
- Feature type
- Digital wallet
- Additional value
- Samsung Pay
- Feature type
- Digital wallet
- Additional value
- Apple Pay
- Feature type
- Other
- Additional info
- Click to Pay - Online shopping made quick, simple and secure with Click to Pay.
- Additional info uri
- View bank information ↗
- Feature type
- Digital banking
- Additional info
- Digital Card - Unlock extra protection using the dynamic CVC on your digital Westpac debit or credit card. Add it to your digital wallet or use it
- Additional info uri
- View bank information ↗
- Feature type
- Digital banking
- Additional info
- With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account.
- Feature type
- Fraud protection
- Additional info
- Layers of defence - Stay safe online and use our Digital Card with dynamic CVC that updates every 24 hours, Card Lock, Smart Verify and SafeBlock.
- Additional info uri
- View bank information ↗
- Feature type
- Fraud protection
- Additional info
- Under 18 Card Transactions Block: If the cardholder is under 18 years of age, a protective block is enabled by default on the card. This block is mandatory and will automatically be removed when the cardholder turns 18 years old.
- Feature type
- Fraud protection
- Additional info
- Card lock and unlock: Helps to keep your money safe if you?ve lost, misplaced or had your debit card stolen
- Feature type
- Fraud protection
- Additional info
- We?ve got your back - 24/7 fraud monitoring and our Fraud Money Back Guarantee.
- Feature type
- Fraud protection
- Additional info
- Westpac Protect SMS Code : Increase your security when banking online by using your mobile phone to confirm certain transactions via text messages
- Feature type
- Fraud protection
- Additional info
- If your Westpac account is compromised as a result of Internet fraud, we guarantee to repay any missing funds, providing you comply with our Online Banking Terms and Conditions
- Feature type
- Relationship management
- Additional info
- Relationship management is available for eligible customers.
- Feature type
- Other
- Additional info
- Account can be opened via Online, mobile, in branch and telephone.
- Feature type
- Other
- Additional info
- No minimum opening balance for this account
- Feature type
- Other
- Additional info
- Statements : 6 monthly, or more frequently on request.
- Feature type
- Other
- Additional info
- You can pay bills using BPAY. New & existing customers under 14 years old will be blocked from using BPAY Payments and BPAY View in online banking.
- Feature type
- Digital banking
- Additional info
- Online , Mobile and telephone banking is available. New & existing customers 14 years old will be blocked from making international transfers in online banking.
- Feature type
- Other
- Additional info
- Periodical Payments from this account can be made.
- Feature type
- Other
- Additional info
- Make shopping and ordering online even more safe and secure with Westpac My Merchants. Westpac My Merchants lets you shop and order online without needing to share your card details, because your card number is replaced with a unique identification code called a 'digital token'. This digital token, which won't contain your personal information and is used by the merchant instead of your card number, helping protect you online.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Authorised Signatories to a new Choice Youth account will be granted Third Party Value Access in Online Banking automatically.
- Feature type
- Notifications
- Additional value
- A third party with non-value or value access to a Westpac Choice Youth can receive notifications for deposits to and withdrawals from the Westpac Choice Youth account, and when their Third-Party Access is removed.
- Feature type
- Other
- Additional info
- Children under 14 cannot manage third party access to their account in online banking. When you register for Online Banking, you?ll be given a low default Daily Payment Limit of $50. This can be adjusted online and in the Westpac App.
- Feature type
- Other
- Additional info
- Account holders aged 14 and above can change their Daily Payment Limit.
- Feature type
- Other
- Additional info
- A Third Party with value access to Westpac Choice Youth can temporarily lock the account holder's debit card, report the account holder's debit card lost or stolen, and order a replacement card.
- Eligibility type
- Residency status
- Additional value
- Those with an Australian residential address and who are currently in Australia.
- Eligibility type
- Other
- Additional info
- The card must be linked to an eligible Westpac account
- Additional info uri
- View bank information ↗
- Eligibility type
- Other
- Additional info
- Child under 14 - Accounts for children under 14 can be opened online if a parent or guardian is at least 18 and a Westpac customer. Otherwise, the account will need to be opened at a branch.
- Eligibility type
- Other
- Additional info
- Child aged 14 ? 17 - A child aged 14-17 can open their account online or at a branch.
No limits & conditions were provided.
No bundles were provided.
From the bank
No application link was provided. Contact the bank to ask about this product.