Debit MasterCard

Access to your money anywhere, anytime

With a Debit MasterCard you can access your money anywhere MasterCard is accepted at over 27 million locations worldwide. You can even make payments over the phone or internet using your own money. You also have access to Australia’s largest banking network. 

Mastercard^® PayPass™

PayPass gives you the option of making purchases of $35 or less at participating merchants without having to provide a signature or PIN. Just ‘tap’ your card on the PayPass reader, wait for the green light and ‘go’.

Secure chip technology

We’ve added a new safety feature called ‘secure chip’ technology to your Debit MasterCard. Your chip card has all the same benefits as a magnetic stripe card but includes an embedded microchip to enhance the security of the card by making it more difficult to fraudulently copy the details of your card.

To ensure you can transact anywhere you go, your chip card also comes with a magnetic stripe.

Unlimited Commonwealth Bank electronic transactions

Enjoy the convenience and security of withdrawing what you need, when you need it. For a low monthly fee of $4 for Smart Access or $6 for Complete Access, you can make unlimited electronic transactions^1&2 through Commonwealth Bank ATMs, EFTPOS, NetBank and unassisted telephone banking, without worrying about incurring extra bank charges.

Cash when you need it

The Commonwealth Bank has the largest ATM network of any bank in Australia, so no matter where you are, there's a good chance you'll also find one of our conveniently-located ATMs. In combination with Bankwest ATMs, you can enjoy free* access to over 4,000 ATMs.

24-hour banking

For the added convenience of banking when and where you need it, you can also make use of NetBank and telephone banking, 24 hours a day, 7 days a week.

Forget your bills

Know your regular bills and transfers will always be paid on time, even when you're on holiday. Set and forget them by scheduling payments through NetBank.

Direct deposit your funds

For convenient banking, have your salary and other direct deposits paid straight into your account so you have instant access to your money through the largest ATM network of any Australian bank.

Access our free online switching tool.

Link your accounts

Take care of all your banking in the one place. We link your Smart Access or Complete Access account to your other Commonwealth Bank accounts making it easy to access and transfer funds using NetBank, telephone banking or an ATM.

Travel light

Hit the road without travellers cheques or the security worries of excess cash. Your Complete Access or Smart Access account gives you global access to your money through the Maestro EFTPOS and MasterCard and Cirrus ATM networks. Fees apply.

• Important information
• *ATM access fees will continue to apply on all overseas ATMs, including the ATMs of ASB Bank in New Zealand and Commonwealth Bank in Indonesia and Vietnam.  Standard withdrawal fees may also apply.  Fees will also continue to apply on ATM withdrawals and balance enquiries on CommSec Cash Accounts and cash advances made on Commonwealth Bank credit cards. The owner of another ATM may apply an ATM owner’s fee at the time of the transaction.

1. Electronic transactions can be made via Commonwealth Bank ATMs and Bankwest ATMs, online with NetBank, via telephone banking or EFTPOS in Australia. Excludes non-Commonwealth Bank ATMs here and all ATMs overseas, EFTPOS transactions overseas (or purchases involving currency conversion), transfer group payments to third parties, International Money Transfers and separate services such as bank cheques, periodic payments and transfers/deposits to other banks.
2. Smart Access also excludes assisted phone, branch and agency withdrawals and cheques written.

• The advice on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances. Please view our Financial Services Guide. Full terms and conditions for the transaction and savings accounts mentioned and Electronic Banking are available here or from any branch of the Commonwealth Bank.