Help & support
Enjoy up to $50 cashback when you open your first Everyday Smart Access account before the 31 March 2026 and spend at selected merchants
With CommBank Yello, you could be recognised with discounts, cashbacks and exclusive offers when you make 5+ eligible transactions each month from your Smart Access account.*
Smarter digital banking tools
Extra everyday benefits and rewards
Support to manage your financial future
We reward you with cashback and offers tailored to you when you spend at popular brands with CommBank Yello Cashback Offers.2
Earn great interest rates on your savings when you link a NetBank Saver account.
Stay in control of your money with our automated tools, set savings goals and start investing in your future.
Get a Debit Mastercard when you open a Smart Access account online.
Already have a Debit Mastercard? Explore a world of benefits by upgrading to a World Debit Mastercard.10
$4 or $0; the fee will be waived if:
Fee-free cash withdrawals when using a CommBank ATM - Australia’s largest bank owned ATM network.4
See all rates and fees for overseas transactions.5
This account doesn't earn interest. To earn interest on your savings, you can easily open an online savings account linked to your CommBank bank account when opening your account, or at a later date.
$15 fee may apply when on a given day, certain payments go through which exceed the then available funds in your account or any agreed overdraft limit. You can only incur one overdraw fee per account per day, regardless of the number of transactions or payments you make on that day.6
You can avoid this fee by switching off the overdraw feature. Simply log on to the CommBank app or NetBank and opt out via the overdrawing preferences located in account settings. You can also give us a call or visit your nearest branch.
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To eligible for the Welcome Cashback offer, you must, during the offer period (16 January 2026 to 31 March 2026):
Offer is only available to new customers, single account holders, and on their first Everyday account. You must be aged 18 years old or above at the time of account opening.
To be eligible for the cashback, you must not have held a CommBank Credit Mastercard, or CommBank Debit Mastercard, CommBank Business Credit Mastercard or CommBank StepPay digital card at any time after 31 December 2019, to be eligible for the cashback.
Excludes joint account holders and Everyday Offset accounts.
You will need to activate the cashback offers in CommBank Yello through the CommBank App, and spend at least $10 in one transaction at each selected merchant using your CommBank Debit Mastercard to receive $10 cashback per merchant. Limit of one offer redemption per merchant, per customer.
Selected merchants are: Chatime, Chemist Warehouse, Cotton On, JB Hi Fi, Uber [Rides only].
Transactions must be settled (not pending) by the end of the offer period to be eligible.
Offer Terms and Conditions & exclusions may apply, for full offer terms and conditions refer to the merchant offer in the CommBank App. This offer is not available in conjunction with any other offers, promotions or discounts offered by the selected merchants.
The total maximum cashback you can receive is $50 (AUD), with a limit of $10 (AUD) cashback per selected merchant.
Cashback is limited to one redemption per merchant, per customer.
Your cashback will typically be credited to your active Everyday Smart Access Account within 14 business days of a qualifying purchase, but in some cases may take longer.
A transaction on your Everyday Smart Access Account will appear as ‘CommBank Yello Cashback Offers’ in the CommBank App and ‘CBCASHBACK’ in Netbank.
To participate in the CommBank Yello program, you must meet the eligibility criteria for the CommBank Yello program. Ongoing eligibility conditions apply to CommBank Yello, see commbank.com.au/commbankyello for more information and the full terms and conditions, including the eligibility criteria. Please note that this cashback offer does not qualify you for the CommBank Yello program. You must meet the eligibility criteria for the CommBank Yello program in order to participate in the program.
Once we’ve verified your identity, you can start banking straight away.
You'll need to complete your ID verification within 20 days of opening your account, or your account may automatically close. If you miss this timing, you can reapply at any CommBank branch.
While your Debit Mastercard is on its way to you, download the CommBank app or log on to NetBank to:
Have your Australian driver’s licence, Proof of Age card (issued by an Australian state or territory), passport, Medicare card, or Australian birth certificate handy.
Having more than one form of ID will 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.
Each time you open an account that may pay interest, we give you the option 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 withhold tax from any interest earned above a certain threshold.
We’ll also ask you about your tax residency (a Government requirement).
To eligible for the Public Transport 10% Cashback offer, you must, during the offer period (15 September to 31 December 2025):
Offer is only available to new customers, single account holders, and on their first account. You must aged between 18 - 29 years of age at the time of account opening.
Excludes joint account holders and Everyday Offset accounts.
You need to spend at least $50 in a calendar month on eligible public transport using your CommBank Debit Mastercard. Eligible spending includes making a payment with, or topping up a public transport card on, an eligible public transport merchant using your CommBank Debit Mastercard.
Transactions must be settled (not pending) by the end of the month to be eligible.
The maximum cashback you can receive is $50 (AUD) per month. or 10% of their total public transport spend.
You are eligible for this cashback for each month during the offer period, when you meet the $50 monthly eligible public transport spend.
Your cashback will be credited to your active Everyday Smart Access Account up to 45 days after the last day of the month in which you meet the eligible public transport spend.
A transaction on your Everyday Smart Access Account will appear as ‘CBATRANSPORTCASHBACK’
Spending on public transport does not include:
Awarded ‘Bank of the Year – Digital Banking’ for 2025 (for the 16th year in a row) by Canstar in May 2025.
+Welcome Cashback Offer Terms and Conditions
CommBank Everyday Account Smart Access: Cashback Promotion
Eligibility Conditions
To be eligible for the Welcome Cashback offer, you must open a new CommBank Everyday Smart Access Account online or in a branch between 15 January 2026 (12:01am, AEST) and 31 March 2026 (11:59pm AEST) (‘the offer period’). The Welcome Cashback offer can only be claimed once per customer, during the offer period.
This offer is for customers aged 18 years and above at the time of account opening and who have never held a CommBank Everyday Smart Access Account previously. Single accounts only. Excludes joint and Everyday Offset accounts.
You must not have held a CommBank Credit Mastercard, or CommBank Debit Mastercard, CommBank Business Credit Mastercard or CommBank StepPay digital card at any time after 31 December 2019, to be eligible for the cashback.
How to Qualify for the Cashback
Eligible customers will be able to access the below offers from 16 January 2026 to 31 March 2026 (AEST), by logging into the latest version of the CommBank App, clicking the ‘CBA Yello’ tile, activating the offer and making a purchase in accordance with the Terms and Conditions of that offer. The offer does not qualify you for the CommBank Yello program. You must meet the eligibility criteria for the CommBank Yello program, in order to be eligible for the CommBank Yello program. Ongoing eligibility conditions apply to CommBank Yello, see commbank.com.au/commbankyello for more information and the full terms and conditions.
Below are the selected merchants
Cashback will not be applied if card used to pay is changed after the order has been placed. You need to spend a minimum of $10 in one transaction at a selected merchant using your CommBank Debit Mastercard, to be eligible to receive $10 cashback from that merchant. Limit of one offer redemption per merchant, per customer. Offer Terms and Conditions & exclusions may apply, for full offer terms and conditions refer to the merchant offer in the CommBank App. This offer is not available in conjunction with any other offers, promotions or discounts offered by the selected merchants.
Cashback will be paid into your CommBank Everyday Smart Access account. Your Everyday Smart Access account must remain open and active in order to be eligible for the cashback.
Getting Your Cashback
Cashback will be paid to you after you activate (where required) the offer presented to you in the CommBank app and you make a purchase in accordance with the Terms and Conditions of that offer.
Cashback is typically received within 14 business days of a qualifying purchase, but in some cases may take longer. Cashback payment will appear as <CommBank Yello Cashback Offers> in the CommBank App and <CBCASHBACK> in Netbank.
This is general information only and does not consider your personal objectives, financial situation, or needs. Before acting on the information, please consider obtaining professional advice specific to your needs, including financial, taxation and legal advice.
CommBank and partners reserve the right to change, end, or extend this offer at any time as permitted by law.
* Ongoing eligibility conditions apply – see CommBank Yello page for full terms and conditions.
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 The CommBank Yello Cashback Offers program (‘CommBank Yello Cashback Offers’) rewards you with cashback after you activate (where required) an offer presented to you via the CommBank app and you make a purchase in accordance with the Terms and Conditions of that offer. Cashback is typically received within 14 business days of a qualifying purchase, but in some cases may take longer. If you are not already enrolled, you can enrol if you are at least 18 years old, hold an eligible CommBank credit Mastercard or debit Mastercard, Business credit Mastercard or StepPay digital card, and meet the ‘Base eligibility criteria’ in the ‘CommBank Yello Terms and Conditions’ (latest version available on our website at commbank.com.au) (‘CommBank Yello’).
3 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.
4 Independent ATM providers may charge a withdrawal fee.
5 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.
6 The overdraw fee is usually charged the next calendar day.
The account can be overdrawn to cover any accidental or unplanned shortfall in funds to meet a payment. This feature 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.
7 QR Cardless deposits and QR Cardless withdrawals can only be completed with the CommBank app on CommBank app registered devices at a compatible CommBank ATM (only available to QR Cardless eligible CommBank accounts). Daily deposits and withdrawals limits apply. Full terms and conditions in the CommBank app. See also QR Cardless Deposits and QR Cardless Withdrawals.
8 The recipient needs to have an Australian bank account (with BSB and account number) and have an active mobile phone number.
9 Travel Booking is provided by Hopper Inc (Hopper). Hopper is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the Travel Booking terms and conditions. CBA does not guarantee the obligations or performance of Hopper or the services it offers. CommBank Awards customers can choose to use all or part or all of their Awards points for payment of their booking.
CommBank will receive a portion of the revenue generated from the Travel Booking platform.
10 Bank fees & charges apply. For full information, visit the World Debit Mastercard page.
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 commbank.com.au/tmd
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.
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