Kids can start saving with Qudos Bank from any age.

Apply for a Youth Membership and help your child save towards their goals sooner with our savings accounts.

Features of your Youth Membership

For more information about our savings accounts, please see our Terms and Conditions for Savings Accounts and Payment Services

Savings accounts to get you started

Helpful resources

How to teach your kids about money

Earning, saving and spending


Related frequently asked questions

If you are under the age of 18 yrs, you or your parent/guardian will need to download an application form.

Alternatively you can collect one from your local branch or call us on 1300 747 747 and have a copy posted out to you.

You will need to take along your original Membership application and birth certificate, or a certified copy.

You will need to have your identification certified, and mail a copy of the certification form, identification and original Membership application form. Please note: We are unable to accept faxed, scanned or emailed applications.

Please post your documents to:

Locked Bag 5020
Mascot NSW 1460

To open an account for a child or teen, in their name, you will require written consent from the parent or guardian, you will need to provide us with a letter signed and dated by the parent/guardian. You will also need to provide the birth certificate or a certified copy and certification form if applicable.

If you’re a parent/guardian and your child or teen is ready to become a signatory of their account, they need to have their identity verified. You/they will be required to provide supporting ID documents, including a birth certificate (or certified copy) and where available a current passport, signed student photo ID card or Learner driver’s license.

If you are 12 yrs or older you can request a Low limit Visa Debit Card (parental/guardian consent required), or if you are aged 16 yrs or older, you can apply for a Visa Debit Card. Online banking and telephone banking are not available on youth accounts unless they have become the signatory of their account. The account will however be visible in the signatories own Online Banking homepage.

Online banking is available for the account signatory, in most cases the legal guardian opening the account on behalf of a youth customer. The guardian can select to set up Online Banking at the time of application or after by completing our Savings and Products (Youth) application form.

Once a customer becomes 12 years of age they can apply to become a signatory of their account subject to guardian consent, and also apply for Online Banking access. Please note, customer between 12 to 16 years old only have 'View Only' Online Banking access subject to parent(s)/legal guardian consent.

Join the Qudos Bank family at any age

Apply for a youth membership account today

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* Qantas Points accrue in accordance with and subject to the Qantas Points Banking Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply, however, Qudos Bank has arranged to provide Qantas Frequent Flyer membership with the joining fee waived to Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at Membership and the earning and redemption of Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available online at This offer is non transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities.

Qudos Bank is the issuer, offeror and administrator of the Qantas Points Banking Products and is a credit provider and credit licensee under National Consumer Credit laws.

The information on this page has been prepared without taking into account any person’s financial situation, needs and objectives. Before you make any decisions you should consider whether it is right for you and seek independent legal, financial and taxation advice.

You should read our Terms and Conditions for Savings Accounts and Payment Services and Financial Services Guide before deciding whether to obtain any of our financial products or services. Target Market Determinations available here.

Rates current as at 23 November 2023