Everyday account

Unlimited Commonwealth Bank electronic transactions

Enjoy the convenience and security of withdrawing just what you need, when you need it. For a low monthly fee of just $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. Also, if you deposit $2000 per month, we’ll waive the monthly account fee.

With Complete Access, you also get branch-assisted withdrawals included in your monthly fee.

Instant transactions

Our Everyday Account updates transactions instantly, no matter what day of the week it is, so you always know where you stand. Finally, a bank that can keep up with you#.

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 free¹ access to over 4,000 ATMs.

Card options

With an Everyday Account you can choose whether you would prefer to access your money with a Keycard or Debit MasterCard. A Keycard allows you to withdraw funds from an ATM or make an EFTPOS payment in Australia. It can also be used overseas with the Maestro/Cirrus networks. With a Debit MasterCard you get more access to your money, and the ability to make payments over the phone or internet using your own money.

Debit MasterCard

If you choose a Debit MasterCard with your Everyday Account you can access your money anywhere that MasterCard is accepted at over 30 million locations worldwide.  You’ll also get the benefit of MasterCard® PayPass™, which allows you to ‘tap’ and ‘go’ without a signature or PIN at participating merchants. Our new safety feature ‘secure chip’ makes Debit MasterCard even more secure against fraud. Learn more about the benefits of Debit MasterCard.

24-hour banking

For the added convenience of after-hours banking, 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 Everyday 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 Cirrus ATM networks, and Debit MasterCard gives you access to the MasterCard network. Fees apply.

 

• Important information

1. 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 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.
2. 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.

   
   # Excludes contactless transactions and some credit transactions on Mobile Banking.
   
   Smart Access also excludes assisted phone, branch, 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 (PDF68KB). Full terms and conditions for the transaction and savings accounts (PDF 660KB) mentioned and Electronic Banking are available here or from any branch of the Commonwealth Bank.