Enjoy StepPay in a few easy steps

StepPay lets you split your purchases of $100 or more into four, anywhere. It's the new way to buy now, pay later.

If you're an eligible CommBank customer, all you need is a few minutes to get going.

To make your repayments, you can link StepPay to Smart Access or other eligible account types that may better suit your needs.

How to activate StepPay in the CommBank app

Make sure you have the CommBank app installed on your mobile device.

For you app screen

Step 1

On your mobile, make sure you've updated your CommBank app to the latest version.

Log on to the app, head to For You, then tap Products & Services.

StepPay Apply button in the CommBank app

Step 2

Choose Buy Now Pay Later. In the StepPay section, tap Apply. 

Then proceed to the next screen by tapping Get started.

App screen showing the spend limit and an 'Accept' button

Step 3

Tap Continue, then wait a few moments, while we check to make sure StepPay is right for you.

Now you can review your StepPay spend limit. Tap Accept.

App screen showing StepPay card and 'Activate card' button

Step 4

Activate StepPay, choose your repayment account, set your PIN and add StepPay to your digital wallet.

You're all done! Get ready to make purchases anywhere Mastercard is accepted, in-store and online.

Need to know more?

Got questions?

Just head over to our StepPay FAQs.

Things not working as expected?

If you're experiencing technical difficulties, or don't see our notification in your CommBank app, head straight to the Cards section in the app. You'll be able to see all of your CommBank cards – and StepPay should be there, waiting for you to activate.

Things you should know

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 (PDF). Applications are subject to credit approval. Full Terms and Conditions will be included at point of application. Bank fees and charges may apply.