WestpacYouth 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.
At a glance
- Base rate
- 0.00%
- Monthly fee
- $5
Rates
Every rate Westpac publishes for this account, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Penalty | - | - | - | 15.01% | - | 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… |
| Variable | - | - | - | 0.00% | - | paid every 1 mo; Standard Variable Rate |
Fees
17 fees published, grouped by when they're charged.
While you hold it1
- Account Keeping Fee
You will pay no Account-Keeping Fee as long as you are under 41. Other fees may apply
$5 a month
When you make a transaction13
- Direct Debit
A transfer of funds from your account drawn under a Direct Debit request you gave another person or company.
No fee - PayTo payment
A transfer of funds from your account in accordance with a Payment Agreement you have established with a merchant or Payment Initiator.
No fee - Periodical Payments
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 I…
No fee - Point of Sale (POS) transactions
All transactions conducted at a POS terminal.
No fee - Foreign Transaction Fee (Australian merchant)
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 Proc…
2.20% of transaction - Foreign Transaction Fee (Merchant Outside Australia)
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 P…
3.00% of transaction - Branch staff assisted withdrawal
Includes any withdrawals conducted at a Westpac branch, including cashing of Westpac cheques.
No fee - Cheque Withdrawals
Withdrawals or payments made by cheque. Excludes cashing of a cheque. Only available to customers aged 18 years and over.
No fee - Overseas Withdrawal
Overseas Withdrawal Fee from a Global Alliance Partner ATM (for more information on Global Alliance Partners: Accessing your accounts overseas)
No fee - Overseas Withdrawal
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 w…
$5 - Telephone Banking (automated)
Automated Telephone Banking transfer withdrawals
No fee - Telephone Banking (staff assisted)
A Telephone Banking transfer withdrawal assisted by a staff member over the telephone
No fee - Westpac Group Branded ATM - Withdrawal
Any withdrawal made at a Westpac/St.George/Bank of Melbourne/BankSA branded ATM
No fee
When particular things happen3
- Online BankingNo fee
- Overdrawn Fee
Nil for Westpac Choice where an account holder is under 18 years of age. This fee is waived for: Westpac Choice Youth where an account holder is under 18 years of age.
$15 - Westpac Group Branded ATM - Balance Inquiry
Any balance Inquiry made at a Westpac/St.George/Bank of Melbourne/BankSA branded ATM
No fee
Features
- $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-…
- 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…
- Parental notifications - Messages for parents or guardians about your account activity so they can guide and support you.
- Weekly spend limit - So you don't spend all your money at once. The limit can be changed as you get more experience.
- $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 m…
- Click to Pay - Online shopping made quick, simple and secure with Click to Pay.
- Account can be opened via Online, mobile, in branch and telephone.
- No minimum opening balance for this account
Eligibility and limits
- Maximum age 17
- 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.
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Published by Westpac under the Consumer Data Right, last changed by them on 28 Oct 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.