Greater choice & full control

  • Making your day-to-day, easy

    • No monthly account fee if you're under 25 or deposit $2,000 each month or meet other conditions1
    • Get paid into this account
    • Pay bills & friends
    • Get cashback when you spend at popular brands with CommBank Rewards. Accessible via the CommBank app for eligible customers.2
    • Shop online and in-store here and overseas
    • Send or receive money from overseas
    • Get cash out at an ATM with or without your card using Cardless Cash3
    • An account for you or with someone else
    • Overdraw feature available to cover accidental or unplanned shortfall in funds. What happens when you overdraw your account4
    • Be reassured you’re covered by our 100% security guarantee5

    More ways to pay


  • Support to keep your spending on track

    Know exactly how much money is in your account, what’s going out and when.

    Australia’s #1 banking app helps you keep track.6

    • Bill Sense7: Predicts your upcoming bills and helps you manage regular payments and subscriptions – all in one place and up to 12 months in advance. Tell me more
    • Spend Tracker: Automatically categorises your transactions so you know what you’re spending your money on and where you can cut back. Show me how
    • Transaction Notifications: Turn them on to receive an instant alert when you pay from, or get paid to, your everyday account. Tell me more
    • Lock, Block, Alert: Lock online, contactless and in-store international payments, if you’re not regularly shopping online or travelling overseas. Securely lock & unlock your Debit Mastercard

With Debit Mastercard

Your Smart Access account comes with a Debit Mastercard to use for ATM withdrawals and purchases worldwide - online or over the phone.

More about our Debit Mastercard

Debit Mastercard

Fees & rates

Fee type
Fee / rate
Monthly fee
$4 or
$0 if conditions are met
The fee will be waived if:
  • You’re under 25 years of age, or
  • You deposit at least $2,000 per month (excludes Bank initiated transactions), or
  • You’re on Student Options1, or
  • You meet other criteria1
ATM withdrawal fee
At many ATMs across Australia, including other major banks8
International transactions fees
Charges apply for overseas transactions9
Assisted withdrawals
Applies if you make assisted branch and phone withdrawals
Interest rate
This account doesn't earn any interest
Overdraw fee
Applies when we allow payments to go through which overdraw your account or exceed its agreed overdraft limit on a given day. You can only incur one overdraw fee per account per day, regardless of the number of transactions or payments we allow to go through in that day.10
Dishonour fee
Applies if there are insufficient available funds to make the scheduled payment. We will attempt to make the scheduled payment over 5 days11, following which, if there is still insufficient funds, a dishonour fee will be applied.

How to get started

  • 1. Complete our short application form

    • Already bank with us? We'll pre-fill the info you've already told us so it's speedier
    • New to CommBank? We'll ask for info like your full name, home address and contact details then ask you to create a password so you can bank online in NetBank
    • We’ll also ask you about your tax residency (a Government requirement). Here’s why.


  • 2. New to CommBank? We'll quickly check your ID online

    Have your Australian driver’s licence, Medicare card, passport or Australian birth certificate handy. You can pass with one form of ID, but having more than one may improve your chances of passing the online ID check. 

    You can complete your ID check in-branch too – you’ll just need to bring these documents (please note we only accept a Medicare card for an online ID check – we don’t accept it in-branch).

  • 3. Download the CommBank app or log on to NetBank

    Start banking straight away. While your Debit Mastercard is on its way to you, download the app or log on to NetBank to: 

    • Withdraw money from CommBank ATMs using Cardless Cash3
    • Pay friends using just their mobile number12
  • 4. When your Debit Mastercard arrives

    You’ll need to activate it and set a PIN first in the CommBank app or NetBank. While you’re waiting for your card, you can use Cardless Cash from the CommBank app.

    Open now

Who can apply?

  • You can apply if you:

    • Are aged 14 years and over (for under 14s, see our Smart Access Account for Youth)
    • Have an Australian residential address. If you're applying from overseas, see our Moving to Australia section
    • Are opening the account in your personal names (no Company, Trading or Trust accounts - see business accounts). To open a trust account, please apply at any branch
    • Thinking of switching to CommBank? Our free online switching tool helps you move regular payments – like your salary and bills –  to your new account

    Tax file numbers (TFNs):

    • Each time you open an account that may pay interest, you’ll be asked to provide your TFN, ABN or TFN Exemption;
    • You don't have to provide these but if the account earns interest, CommBank is legally required to withold tax from any interest earned above a certain threshold

Things you should know

  • 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 25 years of age, or you’re a full-time or part-time tertiary student at an Australian educational institution or undertaking an Australian Apprenticeship on Student Options. 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 We'll show you rewards if you have an eligible card, are over 18 and have an Australian home address and are enrolled in CommBank Rewards. You can claim cashback rewards if you activate the reward and spend the required amount using tap or selecting credit using eligible CommBank credit or debit Mastercards, Business credit cards and StepPay digital cards. CommBank Travel Money, Corporate Credit, Business Debit and pre-paid Mastercards are not eligible. Cashback will be credited to your account typically within 14 business days. Full terms and conditions are available on the CommBank app.

    3 Cardless cash is available from any CommBank ATM. Withdrawals are limited to a total of $500 per day. CommBank app, NetBank, NetCode and account access required. Full conditions on app.

    4 The account can be overdrawn to cover any accidental or unplanned shortfall in funds to meet a payment. Customers incur a cost when their account becomes overdrawn. This feature can be deactivated on request by the customer, and is only available for customers over 18. Customers can also set up Overdrawn Account alerts via NetBank or the CommBank App. These alerts are sent as CommBank App push notifications or SMS.

    5 Our 100% security guarantee protects you from unauthorised transactions on personal and business accounts when you protect how you access your accounts and tell us if something is wrong. Tell me more

    6 The Forrester Digital Experience ReviewTM: Australian Mobile Banking Apps, Q3, 2020. Forrester Research does not endorse any company included in any Digital Experience ReviewTM report.

    7 We predict your bills based on patterns in your transactions, how much you pay and when. We may not predict all of your bills. Our prediction date and amounts may be different from your actual bill. Check your bills and due dates to avoid late fees or paying an incorrect amount. See 'Bills and payments' in the CommBank app Terms and Conditions for full details.

    8 Independent ATM providers may charge a withdrawal fee

    9 This includes purchases made in Australia (for example online), where the merchant is located overseas or the financial institution or entity processing the transaction is located overseas.

    10 The overdraw fee is usually charged the next calendar day.

    11 Attempts will generally be on consecutive business days. For NetBank scheduled payments, we will aim to make the first attempt on the day your scheduled payment is due, and another 4 attempts on subsequent business days.

    12 The recipient needs to have an Australian bank account (with BSB and account number) and have an active mobile phone number.

    The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. Find out about the minimum operating system requirements on the CommBank app page. Terms and conditions are available in the app. NetBank access with NetCode SMS is required.

    The target market for this product will be found within the product's Target Market Determination, available at

    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.

    Electronic transactions can be made via Commonwealth Bank ATMs and Bankwest ATMs, online with NetBank, via telephone banking or EFTPOS in Australia.

    Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

    Apple, the Apple logo, Apple Pay, Apple Watch, MacBook Pro, iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.