Open Westpac Choice Youth Everyday Account & Bump Savings Account for Your Kid (<18yo), Deposit $100, Get $50 Cash Bonus

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Was hunting around for a bank account for my kids that actually paid some interest (Revolut despite the cool debit cards the kids can draw doesn't pay anythinyg.
Westpac gives you $50 bonus if you deposit $100 when opening the account in first month.

To be eligible you must:
Be under 18 years of age.
Not have held a Choice account and/or Bump account with Westpac (applies if you’ve also been a joint account holder).
Open a new Choice account and Bump account and deposit at least $100 into the new Bump account within 30 days of opening the first required account. Accounts must be active and ready to use.
Deposit must be customer-initiated and does not include interest payments into the account.
Please note that joint accounts are not eligible.
If you meet the above:
You’re entitled to one $50 payment, regardless of the number of accounts you hold.
The $50 payment will be made to your Choice account within 50 days of you meeting these Terms and Conditions in full. If you open more than one Choice account, the $50 will go to the account you opened first.
This promotion is not available in conjunction with any other offer. We reserve the right to change or withdraw it at any time.

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Comments

  • My head popped when i saw the tax charged on kids interest….WTF

    Up to $416: The first $416 of interest earned in a financial year is tax-free.
    ​**$417 to $1,307: The income is taxed at a rate of 66% on the amount over $416.
    ​Over $1,307: The entire amount of interest is taxed at 45%.

    • +2

      Been that way for years. Basically to discourage entrepreneurial parents using their kids name to invest in. Perhaps like my old man use to when I was in nappies.
      $416 tax free… which means you'd have to be a kid with at least $10k saved up before it became an issue for you.
      And I suspect if you're a teenager smart enough to have $10k saved up, you'd know ways to avoid this.

      • +2

        '"… that's how I ended up opening a Cayman Islands account officer"

        • Ha. Income splitting is legal my friend, even still today.

    • That's why family trust distributions to is minors is typically $416 until they turn 18.

    • +1

      To get around this, use an investment account like this one - https://www.vanguard.com.au/personal/invest-with-us/investin… - the gains are capital gains rather than interest (income), and the tax cost is significantly less.

      Obviously it's not a bank account and the returns are not guaranteed - but over a long period of time, the average growth has been historically great.

  • Is this the new Dollarmites?!

  • Up to 4.25% isn't very decent. Better off going BoQ 4.85% + no requirements.

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