Help & support
During 2025, we will be taking a phased approach to moving customers from a Complete Access account to an alternative transaction account. Migration will commence from March 2025, however for a subset of customers we have paused the migration. Instead, we will contact them over the next six months to outline options.
We will contact Complete Access customers. There is no need to do anything.
At CommBank, we continue to offer fee free cash withdrawals when using a CommBank ATM - Australia’s largest bank owned ATM network.
Our Complete Access account has not been on sale for nine years.
We are committed to providing the best banking experience and best product features to our customers. All our current Everyday transaction accounts give access to:
Cash is important to many customers, and we are committed to ensuring a reliable distribution of cash. CommBank customers have a wide range of cash access options available to them including free cash withdrawals at CommBank ATMs.
During 2025, we will be contacting customers about an alternative to their Complete Access account(s). Potential account options may include:
Complete Access
Not available for sale, for comparison purposes only
Monthly account fee
$6 or free; the fee will be waived if:
ATM withdrawals at CommBank ATMs
Free
NetBank or CommBank app transactions
Free
BPAY®
Free
Access to CommBank Yello
Yes
Assisted withdrawal fee
(when you are assisted by a staff member to take out money at a branch, post office or by phone)
Free
Smart Access
Our most popular Everyday bank account
Monthly account fee
$4 or free; the fee will be waived if:
ATM withdrawals at CommBank ATMs
Free
NetBank or CommBank app transactions
Free
BPAY®
Free
Access to CommBank Yello
Yes
Assisted withdrawal fee
(when you are assisted by a staff member to take out money at a branch, post office or by phone)
$3, or free if:
Everyday Offset
Everyday account that you can link to offset your eligible home loan
Monthly account fee
Free
ATM withdrawals at CommBank ATMs
Free
NetBank or CommBank app transactions
Free
BPAY®
Free
Access to CommBank Yello
Yes
Assisted withdrawal fee
(when you are assisted by a staff member to take out money at a branch, post office or by phone)
Free
Streamline Basic
Everyday bank account for healthcare or pensioner concession card holders
Monthly account fee
Free
ATM withdrawals at CommBank ATMs
Free
NetBank or CommBank app transactions
Free
BPAY®
Free
Access to CommBank Yello
No
Assisted withdrawal fee
(when you are assisted by a staff member to take out money at a branch, post office or by phone)
Free
Pensioner Security
Flexible account for retirees over 55 years old and eligible pension recipients
Monthly account fee
Free
ATM withdrawals at CommBank ATMs
Free
NetBank or CommBank app transactions
Free
BPAY®
Free
Access to CommBank Yello
Yes
Assisted withdrawal fee
(when you are assisted by a staff member to take out money at a branch, post office or by phone)
Up to four free assisted withdrawals per month if you receive an Australian age, service or disability pension and $3 thereafter.
No, your account number and card number will remain the same.
Any automatic or recurring payments, including any direct debit arrangements or the way payments are processed to and from your account will remain the same.
Yes, your CommBank app, NetBank log on and passwords will remain the same.
Yes, your current card and PIN will remain the same.
There are many ways to access cash fee free, including:
You may be able to switch to a different product that you consider best suits your needs.3
Customers that hold an eligible concession card are eligible for unlimited fee-free assisted withdrawals on our Streamline Basic account. Contact us to discuss your options.
On our Smart Access and Pensioner Security accounts, if you receive an Australian age, service or disability pension your monthly fees will continue to be waived, and you will receive two fee-free assisted withdrawals per month.
Customers on Pensioner Security also receive an additional two fee-free assisted withdrawals per month. In addition, if you have a disability that requires use of a branch, you’re eligible to receive a monthly fee waiver and unlimited fee-free assisted withdrawals. Visit a branch to apply.
We will contact you before moving you on an alternative account. You’ll notice that the account name on your CommBank app, NetBank and statements will have changed.
1 Monthly account fee waived for accounts with at least $2,000 deposited each calendar month (excludes Bank initiated transactions). A monthly account fee waiver will also apply if you’re under 30 years of age. 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. Find out more about rates and fees.
2 Assisted withdrawal fee will be waived if you’re under 18 years of age. You may also be eligible for a different assisted withdrawal fee exemption if you have an aged, disability or war veterans’ pension deposited in your account, or are reliant on over the counter services because of a disability. Find out more about rates and fees.
3 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). 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.
