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Our everyday accounts work for kids, too

Bank accounts suited to everyday transactions for under-18s with debit card access to make small purchases simple.

Everyday Options Account

Our Everyday Options transaction account lets kids easily access their money, has no monthly account keeping fee, and gives kids the option to open sub-accounts to help them budget and save.

No fees

$0 account keeping fee and no transaction fees.

Tap & pay

Add your card to your phone’s digital wallet. Learn more.

24/7 access

Manage your money on the go with the Suncorp App and Internet Banking.

Sub-accounts to help you plan and save

Open up to 9 interest-earning sub-accounts for your spending and saving goals.

Who can open this account?

11 - 14 years

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

15 - 17 years

You can apply online to open your account. All you’ll need is two forms of ID such as an Australian Passport and a Medicare card.

Open now

Kids 11-17 can also open an account in branch. Before you do, check out our personal ID requirements.

Everyday Essentials Account

Our Everyday Essentials transaction account lets kids easily access their money, has no monthly account keeping fee and it offers a higher level of overdraft protection than our Everyday Options account.

No fees

$0 account keeping fee and no transaction fees.

Tap & pay

Add your card to your phone’s digital wallet. Learn more.

24/7 access

Manage your money on the go with the Suncorp App and Internet Banking.

An extra level of overdraft protection

Prevents most transactions from overdrawing your account.

Who can open this account?

11 - 14 years

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

15 - 17 years

You can apply online to open your account. All you’ll need is two forms of ID such as an Australian Passport and a Medicare card.

Open now

Kids 11-17 can also open an account in branch. Before you do, check out our personal ID requirements.

Looking to earn interest on your savings? - Check out our Kids Savings Account

What type of card will I receive ?

Front of Suncorp EFTPOS card

eftpos Debit Card for ages 11-15

  • 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.

Front of Suncorp VISA debit card

Visa Debit Card for ages 16 and older

  • Can be used for purchases (including tap & pay) at retailers or to make cash withdrawals 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

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.

Funds

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

Region

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.

ATMs

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

Safety

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.

Your money at your fingertips

Suncorp App

Safe, secure and easy mobile banking.

Search Suncorp App in the App Store or Google Play.

Internet Banking

Fast, easy and unlimited.

In branch

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

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.

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