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Kit Review: Is the Kit App and Card Worth It For Your Kids?
Commbank offers the Kit app and card, for children aged 5 to 14, to help with saving, budgeting and safe spending. Parents and guardians can add their children to Kit and order a Kit Card for online, in person and mobile spending, with smart controls and transaction notifications.
This Commbank Kit¹ review walks through how to sign up, the fees and how to use the Kit app for kids. Plus, if you’re wondering if Kit is worth it, we’ll introduce the Wise Young Explorer card — a great alternative for kids with no monthly or annual fees.
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What is Kit?
Kit² is the Commbank app for kids, allowing children from 5 to 14³ to get a digital account and card, with parental oversight and built-in spending controls.
You can use Kit even if you’re not a Commbank customer, but to get a kids account, a parent or guardian will need to sign up first. This guide walks through what Kit does and how to get started.
Is Kit safe?
Kit accounts are offered through a Commbank partnership with Hay - a licensed and regulated provider in Australia.
Kit accounts and cards have some smart safety features to offer peace of mind including giving parents and guardians access to view transactions and set controls, making it easier to keep an eye on spending.
How does Kit work?
To use Kit a parent or guardian will need to download the Kit app and create an account. From here, you can then add your kids and teens to the account and order Kit cards for them.
You’ll need to top up the Kit account from your linked bank account (the Boss account)⁴. This linked account is also used to pay membership fees and for any pocketmoney payments you set and automate to the account.
Kit Features
Kit accounts offer tools to help kids and teens learn about money management - including ways to spend, save and grow their balance.
Spend on and offline
Kit offers debit cards which are linked to the digital kid’s account, and which allow online and in person spending at home and abroad. You can link your digital card to wallets like Apple Pay, and use the physical card for ATM withdrawals up to 150 AUD/day⁵.
Kit also offers gamified features to encourage younger people to learn about financial management and budgeting.
Schedule and pay pocketmoney
Parents can set up pocketmoney payments which recur automatically, called a PayDay. It’s also possible to have the money sent to the child’s account split into the Kit account for spending, and the Youthsaver for interest earning, if you choose to link your Kit and Youthsaver accounts together.
Create savings goals
Kit allows kids to set savings goals known as Stacks⁶ which they use to save. Money in Stacks can not be spent until it is transferred back to the Kit Card account. Kids can have up to 10 stacks - these funds do not accrue interest⁷, but you can choose to move money to a Youthsaver for interest earning if you prefer.
Link to a Youthsaver account to earn interest
If you’re eligible⁸ you can also link Kit to a Youthsaver account to earn up to 4.55% interest (at time of research - 19th March 2026). Linking Kit to this interest bearing account lets kids move their money simply to the savings product - and rewards regular deposits with bonus interest.
Kit Fees
Kit accounts offer a range of services with no additional fee once you’ve paid your monthly or annual charge. Here’s a summary:
| Feature/service | Kit Fee⁹ |
| Annual account fee |
|
| Currency conversion fee | No fee |
| Card replacement fee | No fee |
| Cancellation fee | No fee |
*Details correct at time of research - 19th March 2026
Summary: Is Kit right for your kids?
The Kit Card and account offers easy ways for kids as young as 5 to learn about managing money, budgeting and safe spending. It’s helpful for parents who can automate pocketmoney payments and keep an eye on their child’s spending habits from the Commbank Kit app.
It’s important to know that the Kit account and card may come with ongoing fees. If you’re an eligible Commbank account holder with Commbank Yello you might avoid these monthly costs - but if not, you’ll pay 30 AUD to 50 AUD annually to use the service.
If you’d prefer a kids account with no ongoing fees, as well as easy ways to hold a balance in a foreign currency for travel spending, you may prefer the Young Explorer card from Wise.
Wise Young Explorer: Kids' Card with No Monthly or Annual Fees
The Wise Young Explorer card is an easy way for 6–17 year olds to manage their own spending, whether they’re at home or travelling abroad. As a parent or guardian, you stay in control by setting spending limits and receiving real-time transaction alerts. You can monitor exactly where and how much they spend through the app, and if they ever run low on funds, you can top up their card from your account — wherever they are.
Aside from a one-off card order charge, there are no monthly or annual fees. Your child can pay in-store, online, and withdraw from ATMs worldwide. The Young Explorer card can hold 40+ currencies, allowing them to spend at the mid-market rate with no foreign transaction fees. If you're an existing Wise account holder, simply order the card from your app; otherwise, open a Wise account for free and request a Young Explorer card for your child today.
Please see Terms of Use and product availability for your region. For the most up-to-date information on fees, please visit Wise Pricing.
Sources:
- Commbank Kit
- Kit
- Kit FAQ - age
- Kit FAQ - linking a bank
- Kit FAQ - prepaid card
- Kit FAQ - Stacks
- Kit FAQ - interest
- Kit FAQ - linking Youthsaver
- Kit pricing
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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