Best Debit Cards for Kids in Australia: Features and Fees

For kids, tweens and teens, having a debit card makes it easier to manage and spend pocket money - and learn about financial planning at the same time.

Parents and guardians can use a kids bank account with a card to help children learn about saving, while specialist providers also offer kids prepaid card options for multi-currency travel use, like the Young Explorer card from Wise.

What’s a debit card for kids?

A debit card for kids is a specialist card which is often linked to an account overseen by a parent or guardian. The debit card itself is likely to work like any other Australian debit card - but you might find that there are lower spending and withdrawal limits, and card usage restrictions to stop children spending in unsuitable places - like pubs and off licenses.

So - what age can kids get a debit card? This depends on the provider. We’ve highlighted accounts suitable for children as young as 5, right through to 17 year old teenagers, so you can decide on the product that best suits your family.

It’s helpful to know that not all providers will offer a debit card for kids under 13 or so - so do check the details of the providers you prefer before you sign up. You may also find that debit cards for teens have more features compared to those offered for younger kids, such as mobile payments and higher spending limits.

Best debit card for kids and teens

We’ll start with an overview of some strong choices for the best debit card for kids and teens in Australia - with more detail on each coming right up after the table.

*Details correct at time of research - 19th March 2026

Wise Young Explorer

Best for: Travel spending and multi-currency account management

The Wise Young Explorer card has no monthly or annual fee, and offers multi-currency account balances and spending with no foreign transaction fees. Parents or guardians can set spending limits and receive real-time updates for every transaction. You’ll also get push notifications to approve or decline their online purchases. You can monitor exactly where and how much they’re spending directly through the Wise app.

To get a card, the parent or guardian must be a Wise account holder. The parent can then top up the child’s balance in AUD, or add and convert funds to 40+ currencies for travel spending. Cards can be used for contactless payments in stores.

Features and fees:

• Parents or guardians can set spending limits and receive real-time notifications
• Accounts support 40+ currencies for holding
• 10 AUD one time card order fee and no ongoing costs
• No foreign transaction fee - currency conversion uses the mid-market rate with low, transparent fees

➡️ Learn more about Wise Young Explorer

Westpac Choice

Best for: Choice and Bump accounts available for young children with parental controls - or independently from age 14

Westpac offers a couple of dedicated options for younger kids and teens - the Choice Youth everyday account and Bump savings accounts. Accounts can be opened by a parent or guardian for young children, but kids from 14 upwards can open their own accounts online or in a branch. The Choice account comes with a debit card for kids, which can be used for local and overseas spending and withdrawals.

Features and fees:

• Both everyday accounts (Choice) and savings accounts (Bump) available
• Bump accounts can qualify for bonus interest if you save regularly
• No account keeping fees for Everyday or Bump accounts
• 3% foreign transaction fee, and up to 5 AUD overseas ATM fee

Kit (Commbank)

Best for: Debit card for kids as young as 5, with ways to waive monthly fees for Commbank Yello customers

Commbank’s Kit card and account is for kids from 5 to 14 years old, and offers ways to spend conveniently with no foreign transaction fees overseas. You don’t have to be a Commbank customer already to sign up. There are ongoing account fees of 30 AUD or 50 AUD a year depending on the number of children’s accounts you want - but some Commbank Yello customers may have these waived. Kit accounts don’t earn interest but if you’re eligible you can link to a Youthsaver account from Commbank to grow your deposit.

Features and fees:

• Automate pocketmoney payments and pay kids for doing chores and jobs
• Link to Youthsaver account to earn interest
• 30 AUD/year for single child families, 50 AUD/year for multi-child families
• Eligible customers with Commbank Yello may qualify for free membership

ANZ Everyday Accounts

Best for: No monthly fee everyday account for kids, with debit cards from 12 years old

ANZ markets both everyday accounts (ANZ Access Advantage) and savings accounts (ANZ Progress Saver) for families with younger children and teens. Kids can open an account of their own if they’re 12 and older, while parents can open accounts for children under 12. To get an ANZ Access Visa debit card the child must be 12 years old or more.

Features and fees:

• In app tools to manage your account and track spending
• Choice of card colours
• 5 AUD monthly fee waived on application for people under 25 years old
• 3% foreign transaction fee¹⁰

Suncorp Everyday Accounts for kids

Best for: Accounts kids can open online from 11 years old, with verification in a branch or Post Office and no adult needed

Suncorp suggests either the Everyday Options Account or the Everyday Essentials Account for younger customers from 11 years old. You can open an account entirely online from 15 years old - and from 11 you can apply for your account online and then take along your ID to a branch or Australia Post to get verified. Accounts offer online, branch and phone banking, and may offer overdraft protections.

Features and fees:

• Choice of two accounts for kids from 11 years old
• Sub accounts for saving, with higher interest rates available
• No account keeping fees
• No foreign transaction fees

Spriggy Card

Best for: Age appropriate tools to learn about safe spending, budgeting and money management - from just 7 years old

To get a Spriggy Card a parent or guardian will need to set up an account and link a payment method for top ups. The parent can then use this account to pay pocketmoney, make transfers and set up paid jobs and chores for their kid. Once kids turn 13 they can get SPRK which lets them spend more, hold a higher balance and use the app more fully for money management.

Features and fees:

• Available from 7 years old, with extra features once you turn 13
• Choose from a broad range of designs for your card
• Annual account fee of 60 AUD/year for single child families, 78 AUD/year for multi-child families
• Currency conversion fee of 3.5%

FLX

Best for: Families in schools using the Flexischools app

The FLX card is a Mastercard debit card offered by the team behind the Flexischools app. Parents can add money to the FLX card and kids can track their spending in the FLX app. Card usage is managed through security to stop inappropriate spending, and cards can’t be used at the ATM to make tracking spending simple for parents.

Features and fees:

• FLX cards are offered by Flexischools - a school ordering platform for parents, schools and suppliers
• Parents can top up the FLX card and kids can spend in school and wherever the Mastercard logo is displayed
• No cash out facility - for security reasons
• 29 AUD/year annual fees for FLX card

Summary: What’s the best debit card for kids?

There’s not one single best debit card for kids in Australia - in fact there are plenty of great choices on the market, so the trickiest thing may be deciding which option suits your family best.

Some debit cards for kids are issued through banks, and may be offered with parents acting as account holders, or as standalone accounts for kids to manage themselves. These products offer an easy way for kids to learn about money before graduating to a full account with that bank - but ongoing account and transaction fees may apply.

There are also options from specialist apps which can offer great digital tools that help kids manage money, including gamified and intuitive features, personalised cards and ways to help parents pay pocketmoney and incentivise chores.

It’s worth shopping around before you decide on the right debit card for your kids. One strong all round choice - especially for frequent travellers - is the Wise Young Explorer card. This card offers multi-currency features, mid-market exchange rates and no ongoing fees, to make travel budgeting and spending simple, cheap and convenient. And you can stay in control by setting your child's spending limits and monitoring their spendings through the app anytime.

🚀 Order a Wise Young Explorer card

1. Wise Young Explorer
2. Westpac Choice
3. Kit
4. ANZ Everyday Accounts
5. Suncorp Everyday Accounts for kids
6. Spriggy Card
7. FLX
8. Kit pricing
9. Spriggy pricing
10. ANZ fees