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
Your Smart Access account comes with a Debit Mastercard to use for ATM withdrawals and purchases worldwide - online or over the phone.
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).
Start banking straight away. While your Debit Mastercard is on its way to you, download the app or log on to NetBank to:
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.
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 all eligible CommBank cards and StepPay digital cards, except Travel Money, Corporate Credit, Business Debit and pre-paid Mastercards. Cashback will be credited to your account 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 business 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 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.
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.
