Everyday bank account for Kids and Teens

• If you're under 14, we will require a parent or guardian to open and manage your account. Your parent or guardian will be set up as a signatory, meaning they can act on your behalf in branch and within online banking.
• If you're 14 years or over and would like a parent or guardian to have access to your accounts, please visit one of our branches and we can help you with the following

            o   Signatory access: Branch and online access to account

            o   Third party access: visibility of account online

A ‘signatory’ is someone, such as parent, grandparent, or guardian, who can operate your account in the branch. If you’re under 14, you’ll need to have a signatory on your account to help you look after your banking.

A ‘third party’ is someone who has been given access to your account(s) in Online Banking. This person can see your account in their own Online Banking and depending on their permission level can either ‘view’ your account (just look at your activity) or ‘view and transact’ with your account (pay for things or transfer money). A ‘third party’ may or may not be the same person as the ‘signatory’.

Access levels can be set up and modified in branch.

• If you’re under 14, you won’t be able to make BPAY or international payments in Online Banking or the Westpac App. If you’re 14 or over, you’ll be able to use these services.
• If you’re under 14 when you register for online banking, you’ll be given a low default Daily Payment Limit of $50. This can be adjusted online and in the Westpac App.

A trusted person such as a parent or guardian may be a signatory on your account to help you look after your banking. When you turn 14, it is no longer mandatory to have a signatory on your account. Signatories can be removed by visiting one of our branches, but it’s important you talk with your parents or guardians before you do this.

If you’re under the age of 18, you may get a Choice account for Youth. If a third party, such as a parent, guardian or other trusted person, has access to your Choice Youth accounts, they may have set up push notifications, letting them know each time money goes into or out of your accounts to help you look after your banking. However, once you turn 18, they will no longer be able to receive push notifications about your account even if they still have access to your account.

Notifications are designed to help keep your money safe by letting trusted people know if your account is being used in an unexpected or worrying way. So, it’s best to chat with those people first, before making any changes.

If you’re 12 to 20 years old and you’re sure you don’t want a third party on your account to get notifications, you can remove their ‘third party access’ in Online Banking on a PC or laptop. If you’re under 12, you can do so by visiting any Westpac branch.