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Know exactly how much money is in your account, what’s going out and when.
Our feature-packed, award-winning CommBank app helps you keep track.
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, but having more than one may improve your chances of passing. You can complete your ID check in branch too.
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 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.
2 Monthly account fee waived for accounts with at least $2,000 deposited each calendar month and if you are 21 to 24 years old you will be exempt from monthly account fees if you deposit at least $1000 into the account each calendar month (excludes Bank initiated transactions). A monthly account fee waiver will also apply if you’re under 21 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.
3 Independent ATM providers may charge a withdrawal fee
4 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.
5 The recipient needs to have an Australian bank account (with BSB and account number) and have an active mobile phone number.
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.
