Why choose a CUA Everyday Youth Account?

A CUA Everyday Account is the perfect way to start your banking journey. It offer lots of benefits and simple, secure tools to help you look after your money.

A card with your account

Get a CUA Visa Debit card with payWave if you are over 14, or a CUA rediCARD if you are over 10^^.

0 monthly or everyday transaction fees

There are no monthly account fees, or fees for everyday transactions fees, card purchases and cash out in store. Plus you’ll enjoy free access to 10,000+ ATMs nationwide.

A safe place to learn the ropes

Because you can’t spend any more than what’s in your account, you won’t need to worry about accidentally spending more than you have or being charged for failed payments.

Youth eSaver Account

Learn to save and spend by combing your perfect match for your everyday account to combine your spending with your savings.

Get a PayID

Link your CUA Everyday Account to a PayID for instant transfers to your account using just your mobile number or email. It’s an easy way to receive payments, like pocket money.

Tap and pay with your phone

Use your phone to tap and pay securely at the checkout with Apple Pay, Google Pay or Samsung Pay.


Looking after your money shouldn’t be expensive. In fact, we don’t think it should cost you a cent.

That’s why we won’t charge you fees for using your everyday account, and offer you loads of ways to access your money for free.


account keeping fees


everyday transactions and cash withdrawals at 10,000+ ATMs across Australia, plus free cash out in store.

Monthly account keeping free
Deposits to your account free
BPAY transactions free
Visa & PayWave purchases (domestic) free
rediATM balance enquiry free
EFTPOS purchases and cash out free
Personal cheques free
Staff assisted transfers free
Periodical payments free
Cash withdrawals of $50 or over at rediATM, branch & Bank@Post free
Cash withdrawals under $50 at rediATM, branch & Bank@Post free

How to open an account

Drop into a CUA branch and we'll help you get your account up and running.

Find a local CUA Branch
Find a CUA Branch that is close to you. You can use our branch finder to find your nearest one.
Make an application
Come in for a chat and we'll help you to set up your new account and answer any questions you have. Your parent or guardian can accompany you and may be included as a signatory on the account so they can keep an eye on things and make transactions if needed.
We'll send out your card
Once we've opened your account, your CUA Visa Debit card or rediCARD should arrive in the mail within 7 days.

Need some help?

You'll need your CUA member number and Web Access Code (WAC) to log on. If you don't have a WAC, call us on 133 282 or drop into your local branch.

You can download the CUA Mobile Banking app from the Apple App Store or Google Play.

To save time, you can activate your CUA Visa Debit card or rediCARD in online banking.

Just log in, select ‘My Cards’ and enter the requested information. You'll then be sent a one-time password and as soon as this is entered, your card will be ready to use.
Remember, you only need to activate your card if it’s your first debit card with CUA or a replacement of a card that’s been lost, stolen or damaged. If it’s a replacement for an existing card about to reach its expiry date, the you don’t need to activate it and your current personal identification number (PIN) is still valid.

You can also activate your card in any CUA branch or by calling us on 133 282.

A PayID is a simpler way to identify your CUA account so you can receive instant payments from other participating Australian financial institutions. Your PayID can be your mobile number, email address or ABN (if you’re a busines). Once it’s set up, give your easy-to-remember PayID, instead of your BSB and account number, to anyone transferring money to your CUA account. Your CUA account also allows you to make instant transfers to other people’s PayIDs.

You can create a PayID and make instant payments using CUA Online Banking.
Learn more

Important information Important information Show content

Rates current as at 23 August 2018 and subject to change.

The CUA Everyday Account and CUA Everyday Youth Account are designed to help you manage your day-to-day transactions, so they do not earn interest. For accounts that do earn interest, please consider the CUA Everyday 55+ Account (if you are eligible) or check our range of savings accounts and term deposits.

Your needs and financial circumstances have not been taken into account. Terms and conditions are available on application. Other fees and charges may apply. A General Information, Terms & Conditions brochure and Schedule of Fees are available online or from your local CUA branch. You should read both these documents before deciding whether to purchase this product, issued by CUA.

Deposits up to $250,000 per account holder are guaranteed by the Federal Government under the Financial Claims Scheme.

>| There is no fee for accessing your CUA accounts using your mobile. You may incur charges from your mobile provider – please check with your provider for more details. Access is subject to availability and maintenance.

^^ Visa Debit cards and CUA redi2PAY are available to customers who have an Australian residential address and are aged 14 or over. rediCARDs are available to customers aged 10 or over.