The award-winning, Youth Access Account is designed for young people up to the age of 16 years, offering a full transactional account, no account service fee and no minimum monthly balance.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 2.25% | Variable · $0–$5,000 | CDR | 1 Nov 2026 | |
| 1.75% | Variable · $5,000–$50,000 | CDR | 1 Nov 2026 |
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/b8cd6f23-27b7-4840-ab9d-2f8bfeda0b4f- Content hash
sha256 c3401ea52e17e5ea5d338c6cc0e1f5ff6117a7c8720046926df16f965d42e513- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_c3401ea52e17e5ea_374d1824Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/b8cd6f23-27b7-4840-ab9d-2f8bfeda0b4f- Content hash
sha256 c3401ea52e17e5ea5d338c6cc0e1f5ff6117a7c8720046926df16f965d42e513- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Account Service Fee | Periodic | $6.00 |
| EFTPOS Including declined transactions | Withdrawal | $0.70 |
| Dishonour Fee | Dishonour | $15.00 |
| International Transaction Fee via Internet Banking | Withdrawal | $20.00 |
| International Transaction Fee Over The Counter | Payment | $30.00 |
| Visa Debit Cash Advance | Withdrawal | $0.70 |
| Foreign Currency Conversion Fees | Purchase | 3.00% |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Npp enabled | Osko by BPAY available. An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment. | |
| Digital banking | Banking app and Online Banking available. Access is available to online banking features for the product | |
| Digital wallet | Apple Pay | |
| Digital wallet | Google Pay | |
| Bill payment | BPAY available | |
| Notifications | SMS and/or email notifications available | |
| Other | Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance. | |
| Npp payid | Osko by BPAY available. An account of this product type can be used as the target of an NPP PayID. | |
| Eligibility: other | You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you | |
| Eligibility: max age | 16 | Individuals up to the age of 16 |
| Eligibility: residency status | Individuals must be citizens or permanent residents of Australia |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable · $5,000–$50,000 | 1 Nov 2026 | Current | 1.75% |
| Variable · $0–$5,000 | 1 Nov 2026 | Current | 2.25% |
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