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Youth and Teen bank account

Secure their future

Teaching kids about money and getting them started on a savings journey could be an important step for parents.

With an ANZ account, you could start small and grow to something bigger – just like them. ANZ’s everyday and savings accounts are simple to use and great for getting started with banking.

Start building their tomorrow, today.

 

Choose an account

Why consider opening a bank account for kids or teenagers?

Savings accounts

Kids often start with a savings account, which could also earn interest to help their savings grow. Parents or guardians will need to open accounts in trust for kids under 12.

  • Start early with understanding money
  • Money gifts or pocket money can be saved
  • Build some savings from a young age

Everyday accounts

As kids get older, they might need an everyday account as well as a savings account. Those aged 12 and over may be eligible to open the account themselves.disclaimer Customers aged 12 and 13 are eligible to receive an ANZ Access Visa Debit carddisclaimer but will need to visit an ANZ branch to order their card and bring a parent or guardian. Customers aged 14 years or over that have an Australian mailing address are eligible to apply for an ANZ Access Visa Debit carddisclaimer with their ANZ Access Advantage account themselves.

  • Might need an account for employment
  • Track spending and income
  • Gain some financial independence

Choose an account

Open your child's first account with us to help kickstart their journey of saving and banking with ease.

 

Important:

For children under 12, a parent or guardian will need to open the account in Trust for the child. Call us or visit a branch to open an account in Trustdisclaimer for your child. Then bring their birth certificate and acceptable ID for yourself into a branch.

anz classic logo

ANZ Progress Saver

Great first savings account for kids

  • No monthly account service fee
  • Fee waiver for under 18s (on application)disclaimer
  • Bonus interest on your savings if you meet the eligibility criteriadisclaimer

Apply online now

In any given month you could earn:

total rate*

*Base interest  + bonus interest To qualify for bonus interest, you will need to deposit at least $10 in one transaction and not make any withdrawals or transfer or incur any fees or charges during a calendar month.disclaimer

Explore ANZ Progress Saver

anz classic logo

ANZ Access Advantage

Great for teens who needs a Visa Debit card

Apply online now

For children 12-17 years old, open an account in their name or jointly with a parent or guardian if your child can sign a consistent signature. Otherwise, apply in Trust.disclaimer

Monthly account service fee

$5

Explore ANZ Access Advantage

Select a card colour. The choice is yours!

ANZ Access Visa Debit card only available with an ANZ Access Advantage accountdisclaimer

Black

Pink

Blue

Money management for kids and teens

Why not start teaching kids about money management, or consider investing in their future? 

Find out more

 

Your questions answered

Branch ID requirements

If you're a new customer, you'll need to provide: one form of Primary ID or two Secondary IDs. Examples of each are listed below. To find out more and see the full list of acceptable forms of identification documents read Customer Identification Process (CIP) - Acceptable Identification Documents (PDF).

Examples of Primary ID

  • Australian photographic driver's licence or learner's permit
  • Australian Passport (current, or one that has expired within the past two years)
  • Foreign passport disclaimer
  • Australian or Foreign citizenship certificatedisclaimer
  • Australian state/territory government issued Proof of Age card
  • Government issued National Identification card

Examples of Secondary ID

  • Birth certificate (can be issued by an Australian State or Territory, or Foreign Government)disclaimer
  • Australian or Foreign citizenship certificatedisclaimer
  • Australian Medicare card
  • Australian School attendance letter issued by principal to person under 18, recording residential address and period of attendance (less than 3 months old)
  • Australian Taxation Office (ATO) assessment notice (less than 12 months old) with name and address

If you're a new customer, you'll need to provide any two of the following:

  • Australian Passport (current or one that has expired within the last 2 years)
  • Australian Visa in foreign passport
  • Australian driver’s licence
  • Australian Medicare card

For more information on methods to complete your identity check, please refer to our Identity Conditions page.

Customers aged 12 and 13 are eligible but will need to visit an ANZ branch to order their card, and bring a parent or guardian. Customers aged 14 years or over that have an Australian mailing address are eligible to apply for an ANZ Access Visa Debit card with their ANZ Access Advantage account themselvesdisclaimer.

BSB stands for bank, state and branch number. It identifies the bank, branch and state that you opened your account in.


Your account number is the identification number associated with your account. Every account has one. For credit cards your account number is your 16-digit card number shown on the front of your card.

You can find your BSB and account number several ways:

  • With the ANZ App

Your BSB and account number is shown at the top of the screen when you tap on an account. Easy!

  • On ANZ Internet Banking 

You can find your BSB and account number by selecting your account from the ANZ Internet Banking homepage and viewing the 'Details' tab.

Your BSB number can be found by searching for the branch in which you opened your account. The BSB number will show in the search results alongside the branch location and hours of operation.

  • On your statements

Your BSB and account number will appear on your statement copies. The first 6 digits are your BSB number followed by your 9-digit account number.

  • On ANZ Phone Banking

Call 13 13 14 to retrieve your BSB and account numbers. You can do this 24/7 from any touch tone phone from anywhere in Australia for the cost of a local call.

ANZ Plus is ANZ’s digital banking service available in the new ANZ Plus app.

It comes with an ANZ Plus transaction account and a multi-goal ANZ Save account, and a new-look ANZ Plus Visa Debit Card.

The ANZ Plus app has a range of features to provide more visibility and control of your money and spending.

You can only access ANZ Plus in the ANZ Plus app. You can't access other ANZ accounts in the ANZ Plus app.

Other ANZ bank accounts can be accessed through the ANZ app or Internet Banking, ANZ branches and over the phone.

Find out more about ANZ Plus at www.anz.com/plus

Important information

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the ANZ Saving & Transaction Products Terms and Conditions (PDF) and the Financial Services Guide (PDF) which are available at anz.com or by calling 13 13 14 before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Play and the Google Play logo are trademarks of Google Inc.

PayID is a registered trademark of NPP Australia Limited.

For children under 12, a parent or guardian will need to open the account in Trust for the child. Customers aged 12 to 17 who can sign a consistent satisfactory signature can open an account in their own name or as a joint account with a parent or guardian.

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Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Fees may apply (for example, overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees). Please refer to the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Saving & Transaction Products Terms and Conditions (PDF) for details.

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Eligible accounts and payments only – sending and receiving account must be capable of processing faster payments. Technical interruptions may occur and some payments may be delayed e.g. for security screening.

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Monthly account service fee waiver applicable to ANZ Access Advantage accounts if you deposit $2,000 or more by the last business day of the calendar month. You must satisfy the monthly deposit requirement to be eligible for the waiver in a particular month. 

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Eligibility criteria apply. On application for the waiver by an eligible customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges (PDF).

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Customers aged under 18 need to show proof of age at an ANZ branch in order to receive their transaction fees waiver. Fees and charges apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.

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Bonus interest is subject to eligibility. ANZ Progress Saver pays bonus interest (in addition to the current variable base interest) in respect of a particular month if the set minimum deposit (currently single deposit of $10) and no withdrawals, fees or charges are processed to the account on or before the last business day of that calendar month, and after the last business day of the previous calendar month. Refer to ANZ Saving & Transaction Products Terms and Conditions for further details about transactions processed outside of this period. Bonus and base rates are variable and subject to change. Base interest rates are tiered. A tiered interest rate means the annual interest rate applicable to your account for a particular day can vary depending on the balance of your account on that day. This means that the rate of interest applicable on the whole balance of your account can be different depending upon the balance of your account on a particular day.

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On application for the waiver by an eligible customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges (PDF).

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Customers aged under 25 can also apply to waive the Monthly Account Service Fee on one nominated ANZ Access Advantage Account. Fees and charges apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.. 

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If your identification document is written in a language other than English, you must provide a translation into English by a translator who is accredited by the National Accreditation Authority for Translators and Interpreters.

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