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Our Everyday Options account works for Kids too

A bank account suited to everyday transactions for under-18s with debit card access to make small purchases simple.  

Key Features for Youth Banking

Zero monthly fees
$0 account keeping fee and no fees for everyday transactions.

Tap & pay
Remove the hassle of carrying your wallet around & pay with Apple Pay or Google Pay.

24/7 Access
Manage your money on the go with the Suncorp App and Internet Banking.

Open an Everyday Options Account in under 5 minutes

What type of card will I receive ?

Eftpos Debit Card for ages 11-15

Front of Suncorp EFTPOS card
  • Can be used for purchases across Australia or get cash out at ATMs
  • eftpos Tap & Pay purchases under $100 (only available for eftpos cards issued after 04 May 2020)
  • Pay using Apple Pay with your iPhone or Apple Watch
  • Apple Pay with eftpos debit not available for purchases within apps, on the web with Safari or for use overseas.

Visa Debit Card for ages 16 and older

Front of Suncorp VISA debit card
  • Get cash out at ATMs
  • Use your own money to shop online, overseas, or wherever Visa is accepted
  • Pay using Apple Pay or Google Pay with your smartphone

Your money at your fingertips

Mobile Banking App

Safe, secure and easy mobile banking.

Search Suncorp App in the App Store or Google Play.

Internet Banking

Fast, easy and unlimited.

In store

Make deposits in person at one of our Suncorp stores around Australia.

Debit cards -  Visa vs. eftpos

what's the deal

Banking terms are confusing. We get it. It helps to think of an eftpos card as a way to access your money, instead of using cash. You need to be present to use your card – like in a store. A Visa Debit card allows this too, but also lets you make purchases online and overseas.


Both eftpos and Visa debit cards use existing funds from your bank account (that means money you already have).


eftpos is used in Australia only, whereas you can use Visa debit cards internationally as well.

The web

You can shop online with a Visa debit card, but eftpos is for in-person transactions only.

On the go

A Visa debit card lets you pay with payWave, Google Pay and Apple Pay. With an eftpos card you can pay with Tap and Pay and Apple Pay.

eftpos Tap & Pay only available on eftpos cards issued after 04 May 2020. Apple Pay with eftpos debit not available for purchases within apps, on the web with Safari or for use overseas.


Both eftpos and Visa debit cards let you withdraw cash from ATMs, local post offices, and supermarket chains.


Both eftpos and Visa debit cards are embedded with the latest EMV microchip technology, which provides both data protection and transaction security, for greater protection.

Account holders aged between 11 and 15 years qualify for an eftpos card.
Visa Debit cards are available if you are 16 years or older.

Applying is easy

Applying Online

11 - 14 years

You can apply online to open your account. You’ll need to visit any of our Suncorp Stores or a participating Australia Post outlet to finalise your account opening.

15 - 17 years

You can apply online to open your account. All you will need is two forms of ID such as a drivers licence, Australian Passport or a Medicare card.

Find out more about our Everyday Options Account


Applying in store

Kids can also apply for the Everyday Options bank account by visiting a Suncorp Bank store.

We’ll need to confirm your identity when you visit,so please take a moment to read our personal identification requirements.

Find a store



Things you should know

Interest rates and fees and charges subject to change without notice.

Deposit Products are issued by Suncorp-Metway Ltd (“Suncorp Bank”) ABN 66 010 831 722 AFSL No 229882. Please read the Product Information Document  for Personal Deposit Accounts before opening an account. Fees, charges, terms and conditions apply and are available on request.

To be eligible for a Suncorp Bank Visa Debit card you must be 16 years of age or older. If not eligible you will receive a Suncorp Bank eftpos card.

Apple, the Apple logo, Apple Pay, Apple Watch, iPhone and the App Store are trademarks of Apple Inc.

Android, Google Pay, and the Google Logo are trademarks of Google LLC.