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Are you a financial grown up?

Money is one of the things that makes us adults, but are you really a financial grown up, or do you just pretend?

Updated

Fact checked

Responsible money management is one of the things that makes successful adults. Yet so many people still treat their money like they’re teenagers, and whatever they want will somehow magically appear without them trying. This attitude can cause big problems later on in life. So we’ve come up with a handy quiz to test your financial age and find out once and for all if you’re a financial grown up.

Financial Grown Up

What do I need?

All you'll need is somewhere to record the number of points you earn. It can be anything - from a pen and paper, your hand, or your phone.

The results

If you scored between 8 - 10 points

Congratulations. You’re a financial grown up. You know that the more you know your money the better off you are. You’re disciplined and methodical and it will pay off in the end.

If you scored between 5 - 8 points

You’re a financial twenty-something. Your money is under control, but you haven’t covered all of the bases. You’ve begun to realise the importance of planning and preparation, but haven’t quite mastered the discipline it takes to be an adult. That’s okay though, you’re well on your way.

  • If you scored between 3 - 5 points

You’re a financial teenager. You still live like nothing is ever going to change. You haven’t yet figured out that money is a finite resource, and what you do with yours now is going to determine what you can do in the future. Maybe it is time to grow up a little bit.

  • If you scored between 1 - 2 points

Oh no! You’re a financial toddler. You treat money like life is a game of Monopoly and believe that whatever happens, you’ll somehow be okay in the end. Maybe it is time to examine some of your money choices, identify some of your goals and make a plan to attain them. Otherwise, you could be left sucking your thumb.

We recommend that you sign up for our 12 Week Financial Challenge to help you improve your finances.

Bank Account Offer

HSBC Everyday Global Account

HSBC Everyday Global Account

Bank Account Offer

Special offer: $100 cash bonus for new HSBC customers.
Earn 2% cashback on tap and pay purchases (T&C's apply).
Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.

  • Monthly account fee: $0
  • Linked debit card: Visa
  • ATM withdrawal fee: $0
  • Overseas EFTPOS fee: 0%
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Is it time to review your finances? Compare savings accounts below to get started

Data indicated here is updated regularly
$
Name Product Card access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee
HSBC Everyday Global Account
Visa
$0
$0
Special offer: $100 cash bonus for new HSBC customers.
Earn 2% cashback on tap and pay purchases (T&C's apply).
Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.
Westpac Choice
Mastercard
$0
$2,000
Special offer: $50 cash bonus for new customers (T&Cs apply).
$5 waivable monthly account fee.
Monthly account fee waived if you deposit at least $2,000 a month, are under 21 or if you meet other eligibility criteria. Access more than 50,000 ATMs globally for free via the Global ATM Alliance.
NAB Classic Banking
Visa
$0
$0
Enjoy convenient, unlimited access to your money.
$0 monthly account fee.

Tap and pay with your NAB Visa Debit card or your phone using Apple Pay, Google Pay, Samsung Pay or NAB Pay for Android. Temporarily block your card at the touch of a button if you lose it.
Suncorp Everyday Options Account
Visa
$0
$0
Link up to 9 interest-earning sub accounts.
$0 monthly account keeping fees.
Earn interest on your linked sub accounts to help you save for individual goals, with no account fees to pay. Make contactless payments using Google Pay and Apple Pay.
MyState Bank Glide Account
Visa
$0
$0
Simplify your everyday banking with these sleek digital features.
$0 monthly account fee.
Choose the way you pay with access to Google, Samsung and Apple Pay plus Fitbit Pay and Garmin Pay. Send and receive money in less than 60 seconds with PayID.
St.George Complete Freedom Account
Visa
$0
$2,000
Special offer: $50 cash bonus for new customers (T&Cs apply).
$5 waivable monthly account fee.
Monthly account fee waived if you deposit at least $2,000 a month. No account fees for students and customers under 21.
P&N Bank & Transaction Account
Visa
$0
$0
Pay no monthly account keeping fee with no ongoing deposit conditions to meet. Link your Visa Debit card to Apple Pay, Google Pay or Samsung Pay to make contactless payments with your phone, and use PayID to send and receive money instantly.
CUA Everyday Snap Account
Visa
$0
$0
Refund of international ATM withdrawal fees and international card transaction fees (conditions apply). Refund of overdrawn fees.
$0 monthly account fee. Unlimited fee-free everyday transactions.
Apple Pay, Google Pay and Samsung Pay available. Savings Top Up tool automatically transfers to linked savings account.
Citi Global Currency Account
Mastercard
$0
$0
Earn up to 0.9% p.a. interest on your AUD balance.
$0 monthly account fee.
Enjoy one linked debit card to hold up to 10 currencies and receive foreign currencies for free.
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Data indicated here is updated regularly
$
$
months
Name Product Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Interest Earned
Westpac Life (18-29 year olds only)
3%
0.4%
2.6%
$0
Under 30? You can earn an ongoing, variable 3% p.a. each month you grow your balance (excluding interest earned) and make 5+ transactions from your linked Westpac Choice transaction account. This bonus rate offer is available on balances up to $30,000 for customers aged 18-29.
Westpac Life (18-29 year olds only)
0.85%
0.4%
0.45%
$0
Under 30? You can earn an ongoing, variable 0.85% p.a. each month you grow your balance (excluding interest earned) and make 5+ transactions from your linked Westpac Choice transaction account. This bonus rate offer is available on balances up to $30,000 for customers aged 18-29.
MyState Bank Bonus Saver Account
1.65%
0.15%
1.5%
$0
Ongoing, variable 1.65% p.a. when you deposit at least $20 into the account each month and make five or more Visa Debit card transactions from a linked MyState transaction account.
Citibank Online Saver
1.55%
0.35%
1.2%
$0
Introductory rate of 1.55% p.a. for 4 months, reverting to a rate of 0.35% p.a. Available on balances Up to $500,000.
Citibank Online Saver
0.35%
0.35%
0%
$0
Introductory rate of 0.35% p.a. for months, reverting to a rate of 0.35% p.a. Available on balances Up to $500,000.
Westpac Life
0.85%
0.4%
0.45%
$0
Ongoing, variable 0.85% p.a. each month you deposit money, and make sure your balance is higher at the end of the month than it was at the beginning. No monthly account-keeping fee.
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Data indicated here is updated regularly
Name Product 3 Mths p.a. 4 Mths p.a. 5 Mths p.a. 6 Mths p.a. 7 Mths p.a. 12 Mths p.a. 24 Mths p.a.
MyState Bank Online Term Deposit
0.65%
0.60%
0.60%
0.65%
0.65%
0.90%
1.00%
Single or joint account-holders can apply online with MyState's online application process.
Pay no account setup or ongoing fees and choose a term length between 3 months and 2 years, with interest paid at maturity.
Citibank Term Deposit $10,000
0.55%
-
-
0.55%
-
0.55%
-
Suited to customers with deposits between $10,000 and $249,999.
This term deposit is for new Citibank customers only
Citibank Term Deposit 250K
0.90%
-
-
0.90%
-
-
-
A short-term investment option with a guaranteed rate of return.
Suited to customers with deposits over $250,000.
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Rates are displayed for the terms and minimum deposit sizes listed in the table above. The rate you receive could vary depending on your deposit size and interest payment frequency.

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