Personal accounts



A great first bank account for under 18s.

A great first bank account for under 18s with no transaction fees to encourage saving.

A great first bank account for under 18s to help them learn about savings and managing their money.
Earn interest on your balance and pay no base or transaction fees* to ensure your balance keeps growing.

Under 16?

  • Bring your parents/guardians. They will need to bring suitable identification and so will you.
  • They will be able to make withdrawals, transfer funds, make deposits, request account balances and ask for information about transactions. While you won’t be able to make withdrawals or transfer funds yet, you can request account balances and information on transactions, and make deposits while you sit back and watch your hard-earned cash grow. You can even get an NBS Debit Mastercard with their approval.

Over 16?

  • If you are 16 years and over, you can open and operate a Youth Account on your own.
  • If you have an existing Youth Account being managed for you, you can take over the account with parental permission.
  • Get in touch with your local branch to take advantage of the benefits of this account today.

Rates & Fees

NBS Youth Account Rates
All Credit balances 0.25% p.a.

Interest rates are subject to change.

NBS Youth Account Fees
No base or transactions fees NIL
Other Bank ATM Transaction fees $1.50

Fees are subject to change.

Terms and Conditions

NBS General Terms and Conditions apply. NBS’ current Product Disclosure Statement is available free of charge at any NBS branch. Service fees may apply.