Help & support
Get up to $40 cashback when you shop and spend a min of $20 at Chemist Warehouse, JB Hi-Fi, Rebel & Uber Rides with your first CommBank Everyday Smart Access account opened by 9 December 2026. Plus, if eligible, get 1,000 CommBank Yello points. Limited time offer.
A Smart Access account can help you to stay in control of your money - whether it’s with access to our smart digital banking tools in the CommBank app and NetBank, or by visiting us in branch for support.
Manage your money, your way, at any stage of life.
We’ve highlighted features that we think may matter most at key stages of life.
Interested in an account for ages 13 and under? Explore Smart Access Account for Youth
Designed to be the core of your everyday banking experience with CommBank, a Smart Access account can support you through different life stages as your needs evolve over time.
Interested in an account for ages 13 and under? Explore Smart Access Account for Youth
Concession holder? Learn more about our Streamline Basic accounts
A transaction account to pay for everyday things, designed for day-to-day
access to your money and tracking your spending with ease.
Interested in an account for ages 13 and under? Explore Smart Access Account for Youth
A transaction account for day-to-day spending and convenient money management when you’re on the go.
A transaction account for your day-to-day needs, whether it’s receiving funds,
making payments, or moving your money.
# You may also benefit from $0 monthly account fees through other criteria. See fees and rates for more information.
A simple transaction account designed for hassle-free spending.
Concession holder? Learn more about our Streamline Basic accounts
# You may also benefit from $0 monthly account fees through other criteria. See fees and rates for more information.
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.*
Choose the debit card that suits you.
Whether it's a Debit Mastercard or a World Debit Mastercard, enjoy the convenience of both digital and physical card access.
Choose to add a Debit Mastercard with your Smart Access account – whether you are a new customer or currently hold a Smart Access account without a Debit Mastercard.
Customers with an activated physical Debit Mastercard can choose to upgrade to a World Debit Mastercard4 and unlock more benefits.
Earn CommBank Yello points through eligible products, shopping with brands you love and banking milestones.5
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.
Help upgrade your money IQ with real-time intelligence that helps you understand your spending habits and your savings goals.
Fee-free cash withdrawals when using a CommBank ATM - Australia’s largest bank owned ATM network.
Fee-free for all ATMs when you use a World Debit Mastercard.
When using a Debit Mastercard with your Smart Access account, see all rates and fees for overseas transactions.
When using a World Debit Mastercard with your Smart Access account, enjoy no fees and live foreign currency exchange rates for overseas transactions. You can view online conversion rate calculators set by Mastercard.
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.8
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.
For joint accounts, both applicants must be 18 years or older.
Complete our simple application online and your account will be ready to use in minutes.
Need help? Book an appointment with a specialist
If you are moving to Australia or recently arrived, visit our Moving to Australia.
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).
Yes, you can apply for a Smart Access account online. Eligibility and identification requirements apply.
Smart Access accounts come with a Debit Mastercard by default.
Once your account is open, you can choose to upgrade to a World Debit Mastercard for a $10 monthly fee.
A World Debit Mastercard comes with a range of benefits.
Customers can switch their card type via the CommBank app or NetBank. Check eligibility, terms, and conditions before switching.
A better everyday bank account & smarter digital banking tools
Extra everyday benefits and rewards
Support to manage your financial future
To be eligible for up to $40 cashback;
Offer is only available 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.
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.
You’re unable to claim the cashback if you use a payment platform such as Afterpay, Zip Pay or PayPal. Payment must be made within Australia in AUD
You will need to spend a minimum of $20 in a single transaction using your CommBank Debit Mastercard to receive $10 cashback at any of the selected merchants. Your Everyday Smart Access account must remain active and open to receive the cashback. Limit of one offer redemption per merchant, per customer.
Selected merchants include Chemist Warehouse, JB Hi-Fi, Rebel and Uber [Rides only].
Transactions must be settled (not pending) by the end of the offer period to be eligible.
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 $40 (AUD), with limit of $10 (AUD) cashback per selected merchant.
Cashback is limited to one redemption per merchant, per customer.
Cashback will 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 Cashback Offers’ in the CommBank app and ‘CBCASHBACK’ in Netbank.
To qualify for the 1,000 CommBank Yello points, you must become eligible for CommBank Yello by 31 December 2026 (11:59pm AEDT).
Ongoing eligibility conditions apply to CommBank Yello, see https://www.commbank.com.au/commbank-yello.html for more information and the full terms and conditions.
If you meet eligibility, CommBank Yello points are typically paid within 90 days after you become eligible for CommBank Yello. Occasionally, this may take longer. CommBank Yello points will appear as <Everyday Smart Access Bonus>.
Awarded ‘Bank of the Year – Digital Banking’ for 2026 (for the 17th year in a row) by Canstar in May 2026.
Awarded ‘Outstanding Value – Transaction Accounts’ for 2026 (for the 2nd year in a row) by Canstar in April 2026.
Money saving tips
Save money on gifting and entertaining this summer with clever tips from everyday Australians.
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Neuroinclusive banking
Discover banking tools and resources to help neurodiverse customers stay in control of their day-to-day finances.
* Ongoing eligibility conditions apply – see CommBank Yello page for full terms and conditions.
^Awarded Outstanding value - Transaction Accounts for 2026 by Canstar in April 2026.
1 Monthly account fee waived for accounts with at least $2,000 deposited each calendar month (excludes Bank initiated transactions), if you’re under 30 years of age (for joint accounts, all account holders must be under 30), or meet the eligibility criteria for one of the following CommBank Yello tiers for that month: CommBank Yello Plus, Gold or Diamond. See the CommBank Yello Terms and Conditions for eligibility criteria. 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 or meet other criteria. See the Transaction, Savings and Investment Accounts Terms and Conditions for full eligibility. Find out more about rates and fees.
2 The recipient needs to have an Australian bank account (with BSB and account number) and have an active mobile phone number.
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 Bank fees & charges apply. For full information, visit the World Debit Mastercard page.
5 Ongoing eligibility conditions apply for CommBank Yello. Eligibility is typically assessed at the beginning of each calendar month based on your activity in the previous calendar month. The exact date we complete the assessment and update your eligibility may vary. Offer eligibility conditions also apply and offers may vary between customers. For more information visit www.commbank.com.au/commbankyello.
6 Independent ATM providers may charge a withdrawal fee.
7 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.
8 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.
9 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.
10 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.
All travel products and offers from Travel Booking are subject to availability and can only be booked by a holder of an Eligible CommBank Card.
Eligible CommBank Card means an active CommBank retail or business credit and debit cards, StepPay card or Travel Money Cards.
Customers are responsible for reviewing and accepting the terms and conditions of Hopper Inc. and any relevant provider (e.g. Airline, Hotel, Car company) before confirming a booking.
For more information, read the full Travel Booking Terms and Conditions.
CommBank will receive a portion of the revenue generated from the Travel Booking platform.
Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit license 234945.
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.
