Switch your debit card

We may not be able to upgrade your debit card due to a number of reasons:

• You don’t have an existing eligible debit card
• You don’t have an eligible CommBank transaction account¹ to link your new Debit card to
• You’re under 18 years of age
• Your residential address isn’t in Australia
• Your account is in arrears, or your balance is overdue
• You’ve already started a request to switch cards
• You’ve already switched from a World Debit Mastercard in the last 3 months

When you switch your debit card, you’ll receive new card details, including a new card number, CVC and expiry date.

You’ll have up to 180 days to activate your new debit card from when you switched.

For more information on activation, please refer to activate your debit card.

Once the activation period expires, you’ll need to re-apply to get a new debit card re-issued by contacting us or visiting a branch.

If you’ve recently downgraded from a World Debit Mastercard to a Debit Mastercard, you must wait at least 3 months before you can upgrade to a new World Debit Mastercard. 

We’ll carry over your gambling lock settings. However, you will need to update your daily card withdrawal limit if you changed it on your previous debit card. You can check or update card lock and limits settings in the CommBank app or NetBank. 

A direct debit is a regular automatic payment set up on your eligible CommBank account using your BSB and account number. When you set up a direct debit using your BSB and account number, it allows a merchant or service provider to withdraw an agreed amount of money from your account into a merchant’s or service provider’s account at set times. For example, to pay for a service, bills, or make repayments on your home loan.

A recurring payment is a regular automatic payment set up from your debit or credit card with a merchant or service provider. To do this, you’ll need to arrange a direct debit authority and give the merchant or service provider your card number, expiry date and 3-digit CVC  number on the back of your card. This allows the merchant or service provider to charge your debit or credit card.

If you prefer not to set up a direct debit or recurring payment, you can set up scheduled transfers in NetBank or the CommBank app instead.

Direct debit

Message us to submit a request to stop, cancel or dispute a direct debit.

In the CommBank app, tap the help icon at the top-right of your screen to message us. Our virtual assistant, Ceba, will ask you a few questions about the payment before processing the request for you, provided you have the correct account and direct debit/merchant details.

Once submitted, you’ll receive a notification in the CommBank app when your request has been processed, so make sure you’ve got notifications for the app turned on. For more info about how to do this, check out our messaging page.

Stopping or cancelling your direct debit will prevent future payments from being debited from your account, however any contractual arrangement between you and the merchant may remain in place. So, you may want to also contact the merchant or service provider to inform them the payments have been stopped, as there may be implications to your contract. For example, if you still owe money for a service or utility, you’ll need to negotiate an alternative payment method.

If you don’t have the CommBank app, you can also contact us or visit a branch  to stop, cancel or dispute a direct debit.

Recurring payments

To cancel or update a recurring payment on your debit or credit card, you’ll need to contact the merchant or service provider directly.

If you have a regular payment set up and your credit or debit card expiry dates change, it’s your responsibility to tell the merchant or service provider.