Westpac Youth Bank Account and Debit Card

transaction accountage limitedlinked accountstale

Youth Bank Account and Debit Card is a transaction account from Westpac. It pays 0.00% p.a. with no bonus conditions.

Not ranked: a transaction (everyday) account, not a savings account.

Rate tiers

Every balance band in the bank's feed: base is the rate the bank pays.

One rate on every balance, with no upper limit.

Conditions

• not updated by the bank since 2026-10-28, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed

Features

card

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.

app

yes

Osko

yes

PayID

yes

PayTo

yes

notifications

yes

transactions

unlimited

wallets

Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, Samsung Pay

Other features, in the bank's words:

• $0 monthly account-keeping fees if you're under 41
• $0 withdrawal fees and unlimited transactions
• PayID payments - Over 14? Get paid instantly with just your mobile number.
• Pocket money - Set up regular pocket money payments paid directly into their account.
• 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.
• 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.

Fees, limits and who can open it

monthly fee

$5

other fees named

Foreign Transaction Fee (Merchant Outside Australia), Foreign Transaction Fee (Australian merchant) (no amount in the feed)

interest paid

monthly

interest calculated

daily

age

up to age 17

open to

personal customers

age limited

open only to people of certain ages (kids, youth or seniors accounts)

linked account

a linked or nominated transaction account is required

Who can open it, in the bank's own words:

• age 17 and under
• residency: Those with an Australian residential address and who are currently in Australia.
• The card must be linked to an eligible Westpac account
• 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.
• Child aged 14 ? 17 - A child aged 14-17 can open their account online or at a branch.

About this account

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.

Data

• Westpac's own page for this account.
• The bank's documents its product record links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 28 October 2026.
• /au/finance/savings-accounts/v1/brands/westpac.json: this bank's accounts and every balance band as JSON; Westpac's page lists them.
• The bank last updated this record on 28 October 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.

Other accounts at Westpac

• 55+ and Retired savings account, 1.73% base at $50,000
• Bump Savings savings account, 5.55% conditional at $50,000
• Business Cash Reserve Savings savings account, 0.95% base at $50,000
• Business Premium Cash Reserve savings account, 0.01% base at $50,000
• Cash Investment Account savings account, 1.30% base at $50,000
• Community Solutions Cash Reserve savings account, 0.95% base at $50,000
• eSaver savings account, 1.25% base at $50,000
• Life savings account, 5.50% conditional at $50,000
• Notice Saver 31, 60 & 90 Days notice account, 0.00% base at $50,000
• Bank Account with Debit Card for Students and Young Adultsstale transaction account, 0.00% base at $50,000
• Business Onestale transaction account, 0.00% base at $50,000
• Business One - Negotiator Planstale transaction account
• Business One - Plusstale transaction account, 0.00% base at $50,000
• Choice transaction account, 0.00% base at $50,000
• Choice for Concession Holdersstale transaction account, 0.00% base at $50,000
• Choice for Migrantsstale transaction account, 0.00% base at $50,000
• Community Solutions One transaction account, 0.00% base at $50,000

All of Westpac's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.