The Capricornian
Youth Access Account
The award-winning, Youth Access Account is designed for young people up to the age of 16 years, offering a full transactional account, no account service fee and no minimum monthly balance.
Savings & transaction accountsBank updated 7 Sept 2026
At a glance
- Base rate
- 1.50%
- Monthly fee
- $6
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | up to $5,000 | 2.00% | — | paid every 1 mo; Account only for members under 18 years of age. |
| Variable | — | — | $5,000–$50,000 | 1.50% | — | paid every 1 mo; Account only for members under 18 years of age. |
§ 02 — Fees · 7
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Dishonour Fee | Dishonour | $15 | — | Where there is not enough money in the account to pay a direct debit that the customer has setup. |
| International Transaction Fee Over The Counter | Payment | $30 | — | Transaction fee charged at the result of an International Transaction being actioned after a staff assisted transaction. |
| Account Service Fee | Periodic | $6 | Every 1 mo | First account free for eligible members. $6.00 per month subsequent accounts. First account free |
| Foreign Currency Conversion Fees | Purchase | 3.00% of transaction | — | Foreign Currency will be converted to Australian currency at the wholesale market rate by VISA |
| EFTPOS Including declined transactions | Withdrawal | $0.70 | — | — |
| International Transaction Fee via Internet Banking | Withdrawal | $20 | — | Transaction fee charged at the result of the processing of an international transaction via Internet Banking. |
| Visa Debit Cash Advance | Withdrawal | $0.70 | — | — |
§ 03 — Features
Instant paymentsPayIDDigital bankingApple PayGoogle Pay
- · Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance.
§ 04 — Eligibility & limits
- · Maximum age 16
- · Residency: Individuals must be citizens or permanent residents of Australia
- · You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you
§ 05 — Compare
§ 06 — Run the numbers
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Published by The Capricornian under the Consumer Data Right, last changed by them on 7 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.