Help & support
Enjoy up to $50 cashback when you open your first Everyday Smart Access account before the 31 March 2026 and spend at selected merchants
Start using the digital version of your Debit Mastercard before your physical card arrives to shop in-store or online, pay bills or set up recurring payments. View your card details in the CommBank app.
If you’re an international student, you’ll first need to verify your identification at any Australian CommBank branch. You’ll then be able to use your digital Debit Mastercard.
Open your transaction account in just a few minutes.
For students studying part-time or full-time at an Australian tertiary institution or undertaking an Australian apprenticeship.1
Open an account online with Australia’s largest bank.
Apply if you’re arriving in Australia within 14 days, or are already here.
You’ll need to verify your ID (passport) at a CommBank branch before you start using your account.
Earn interest on your savings with a NetBank Saver5 or GoalSaver account.
Start investing in your financial future with as little as $50 by opening a CommSec Pocket9 account.
View your superannuation balance alongside your everyday banking via the CommBank app.
Check out our money tips and hints to help you on your way, whatever you’re up to:
Awarded ‘Bank of the Year – Digital Banking’ for 2025 (for the 16th year in a row) by Canstar in May 2025.
+Welcome Cashback Offer Terms and Conditions
CommBank Everyday Account Smart Access: Cashback Promotion
Eligibility Conditions
To be eligible for the Welcome Cashback offer, you must open a new CommBank Everyday Smart Access Account online or in a branch between 15 January 2026 (12:01am, AEST) and 31 March 2026 (11:59pm AEST) (‘the offer period’). The Welcome Cashback offer can only be claimed once per customer, during the offer period.
This offer is for customers aged 18 years and above at the time of account opening and who have never held a CommBank Everyday Smart Access Account previously. Single accounts only. Excludes joint and Everyday Offset accounts.
You must not have held a CommBank Credit Mastercard, or CommBank Debit Mastercard, CommBank Business Credit Mastercard or CommBank StepPay digital card at any time after 31 December 2019, to be eligible for the cashback.
How to Qualify for the Cashback
Eligible customers will be able to access the below offers from 16 January 2026 to 31 March 2026 (AEST), by logging into the latest version of the CommBank App, clicking the ‘CBA Yello’ tile, activating the offer and making a purchase in accordance with the Terms and Conditions of that offer. The offer does not qualify you for the CommBank Yello program. You must meet the eligibility criteria for the CommBank Yello program, in order to be eligible for the CommBank Yello program. Ongoing eligibility conditions apply to CommBank Yello, see commbank.com.au/commbankyello for more information and the full terms and conditions.
Below are the selected merchants
Cashback will not be applied if card used to pay is changed after the order has been placed. You need to spend a minimum of $10 in one transaction at a selected merchant using your CommBank Debit Mastercard, to be eligible to receive $10 cashback from that merchant. Limit of one offer redemption per merchant, per customer. Offer Terms and Conditions & exclusions may apply, for full offer terms and conditions refer to the merchant offer in the CommBank App. This offer is not available in conjunction with any other offers, promotions or discounts offered by the selected merchants.
Cashback will be paid into your CommBank Everyday Smart Access account. Your Everyday Smart Access account must remain open and active in order to be eligible for the cashback.
Getting Your Cashback
Cashback will be paid to you after you activate (where required) the offer presented to you in the CommBank app and you make a purchase in accordance with the Terms and Conditions of that offer.
Cashback is typically received within 14 business days of a qualifying purchase, but in some cases may take longer. Cashback payment will appear as <CommBank Yello Cashback Offers> in the CommBank App and <CBCASHBACK> in Netbank.
This is general information only and does not consider your personal objectives, financial situation, or needs. Before acting on the information, please consider obtaining professional advice specific to your needs, including financial, taxation and legal advice.
CommBank and partners reserve the right to change, end, or extend this offer at any time as permitted by law.
1 A Monthly Account Fee waiver applies if you’re under 30 years of age, or 30 and above and deposit at least $2,000 each calendar month (excludes Bank initiated transactions). You may also be eligible for a different Monthly Account Fee exemption if you have an aged, disability or war veterans pension deposited in your account, have a balance of $50,000 or more in eligible contributing accounts, are reliant on over-the-counter services because of a disability or have an eligible home loan.
2 QR Cardless deposits and QR Cardless withdrawals can only be completed with the CommBank app on CommBank app registered devices at a compatible CommBank ATM (only available to QR Cardless eligible CommBank accounts). Daily deposits and withdrawals limits apply. Full terms and conditions in the CommBank app. See also QR Cardless Deposits and QR Cardless Withdrawals.
3 Requires a GoalSaver or NetBank Saver in your name only.
4 The CommBank Yello Cashback Offers program (‘CommBank Yello Cashback Offers’) rewards you with cashback after you activate (where required) an offer presented to you via the CommBank app and you make a purchase in accordance with the Terms and Conditions of that offer. Cashback is typically received within 14 business days of a qualifying purchase, but in some cases may take longer. If you are not already enrolled, you can enrol if you are at least 18 years old, hold an eligible CommBank credit Mastercard or debit Mastercard, Business credit Mastercard or StepPay digital card, and meet the ‘Base eligibility criteria’ in the ‘CommBank Yello Terms and Conditions’ (latest version available on our website at commbank.com.au) (‘CommBank Yello’).
5 If you don’t have an existing transaction account to link to your NetBank Saver, then we’ll automatically open a Smart Access account for you when you open a NetBank Saver. Fees may apply to this account. Find out more about rates and fees.
7 We predict your bills based on patterns in your transactions, how much you pay and when. We may not predict all of your bills. Our prediction date and amounts may be different from your actual bill. Check your bills and due dates to avoid late fees or paying an incorrect amount. See 'Bills and payments' in the CommBank app Terms and Conditions for full details.
8 The recipient needs to have an Australian bank account (with BSB and account number) and have an active mobile phone number.
9 For more information on Commsec Pocket visit https://www.commbank.com.au/investing/commsec-pocket.html
Commonwealth Securities Limited ABN 60 067 254 399, AFSL 238814 (CommSec) is a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945. The value of your investment may go down as well as up. The minimum allowable size of your investment is subject to fluctuations in ETF unit prices. Brokerage is charged at $2 per trade, for trades up to $1,000 and 0.20% for trades above $1,000. To operate a CommSec Pocket account, you’ll need an eligible CommBank transaction account. Please consider the CommSec Pocket Terms and Conditions and Financial Services Guide.
10 Travel Booking is provided by Hopper Inc (Hopper). Hopper is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the Travel Booking terms and conditions. CBA does not guarantee the obligations or performance of Hopper or the services it offers. CommBank Awards customers can choose to use all or part or all of their Awards points for payment of their booking.
CommBank will receive a portion of the revenue generated from the Travel Booking platform.
The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. Find out about the minimum operating system requirements on the CommBank app page. Terms and conditions are available in the app. NetBank access with NetCode SMS is required.
The target market for these products will be found within the product’s Target Market Determination, available at commbank.com.au/tmd.
The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Financial Services Guide (PDF). Full terms and conditions for the transaction and savings accounts (PDF) mentioned and Electronic Banking (PDF) are available here or from any branch of the Commonwealth Bank.
Electronic transactions can be made via Commonwealth Bank ATMs and Bankwest ATMs, online with NetBank, via telephone banking or EFTPOS in Australia.
Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.
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