BSB 704-191
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Youth Banking

Teaching kids about money at a young age can set them on a path towards a strong financial future. But where to begin?

Youth accounts

Getting started with money

We’ve got resources that can help you explain how saving works and how to spend wisely.

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Learning the basics

Our financial literacy resources put key money concepts into practice for kids, with simple and interactive lessons.

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Ready for a first bank account?

Find products designed to help kids save for something special, while also learning how their money grows over time.

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Need more support?

We’re here to help. Our consultants are available to answer any questions you have about the right account for your child.

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Banking and savings options for kids

Everyday account for kids and teenagers
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First Access Account

1.95 % per annumInterest rate (all amounts)
  • No account keeping or transaction fees
  • Optional Visa Debit Card available
  • Easy access to funds
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Designed for kids and teenagers
Teenage siblings hanging out on sofa at home

First Saver

4.40 % per annumInterest rate (all amounts)
  • No account keeping or transaction fees
  • No minimum deposit
  • Access savings at any time
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Whatever you're saving for, start strong
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Strong Start Saver

5.40 % per annumInterest rate ($0 - $249,999)1
4.25 % per annumInterest rate ($250,000 and over)1
  • Grow savings without deposits or spending conditions
  • Save your way and withdraw as you need
  • Available to account holders 15 to 35 years of age inclusive
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Teaching kids about money

A young female nurse is about to leave home for work and takes the girl to kindergarten.

Money talk

Financial Wellbeing
Kids are curious, especially once they enter the ‘why’ phase. Money is part of everyday life, so it’s only natural that they will begin to ask questions about it.
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Savings chart on fridge

Kids’ savings chart

Financial Wellbeing
Even at a young age, money plays a large role in life. With the right tools, you can build your little one into a big saver.
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A Japanese male nurse in scrubs shops with his young son in a grocery store. The father holds a beverage bottle while the child reaches for items on a shelf, depicting the bond and everyday life of a family.

Getting started with money

Financial Wellbeing
Teaching kids about money at a young age can set them on a path towards a strong financial future. But where to begin?
Learn more

Looking for resources and products for teens or young adults?

Whether they've just landed their first job or a looking to master saving, we’re here to help.

Student banking
Important Information

Interest Rates effective 1 September 2026.

Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice. * Some ATM operators will charge you a fee to use their ATMs, however this fee will be disclosed at the ATM.

  1. Variable interest rates apply to the portion of the balance which falls within each tier. Account is available to account holders 15 to 35 years of age inclusive.​ The account is available for individual and joint account holders. For the purposes of account age eligibility on joint accounts the Primary account holders date of birth will be used. When the account holder, or primary account holder on a joint account turns 36 years of age you will no longer be eligible for this account. The account will be transferred to the Online Savings Account at the end of the month of account holder turning 36. Refer Terms and Conditions.