Monthly account fees

You’ll be charged a monthly account fee if you don’t meet the conditions required to have it waived. The fee will depend on which product you have.

Account Type
Monthly fee
Everyday Smart Access Account
$4.00 per month1
Streamline
(Streamline accounts are no longer available for sale)
$5.00 per month1
Complete Access Account
(Complete Access accounts are no longer available for sale)
$6.00 per month1
Pensioner Security Account
(Available to customers who are at least 55 years old or receiving an eligible pension)
No monthly fees apply
Streamline Basic
(Available to customers who hold an Australian Seniors Health, Pensioner Concession or Health Care card)
No monthly fees apply

For more information about monthly account fees, please refer to the terms and conditions of our Transaction, Savings and Investment Accounts.

Withdrawal fees

Description
Fee
Assisted withdrawals in a branch, agency or through telephone banking.
$2.50
Cheques written by you and negotiated through the clearing system (excluding those cashed over-the-counter at a CommBank branch).
$1.50

Non-CommBank ATM fees

ATM owners may charge a fee, which will be disclosed at the time of the transaction. If you proceed with the transaction, the ATM owner’s fee will be debited to your account (in addition to the withdrawal amount, if applicable).  You should check the ATM owner’s fees that apply carefully before completing transactions at non-CommBank ATMs in Australia.

International ATMs and transaction fees

Description
Fee
Access to networks overseas:
  • ASB Bank ATMs in New Zealand
  • CommBank ATMs outside Australia
The fee is debited to your account when you make the withdrawal.
AUD$2.00 each
Access to networks overseas:
  • Any other cash withdrawal overseas.
AUD$5.00 plus 3.00% of the transaction value
International transaction fee:
  • Maestro (EFTPOS) purchase or Debit MasterCard purchase that involves currency conversion.
3.00% of the transaction value
International transaction fee:
  • Maestro (EFTPOS) purchase or Debit MasterCard purchase in Australian dollars at an overseas merchant (including internet) 
3.00% of the transaction value

Dishonour of cheques & direct debit

Cheques/Direct debit can be dishonoured (not paid) because there are insufficient cleared funds in the account to cover the amount of the cheque/direct debit being processed.

$5.00 for each cheque/direct debit3

Dishonour of unpaid scheduled payments

A dishonour fee applies if there are insufficient available funds to make the scheduled payment. We will attempt to make the scheduled payment over 5 consecutive business days, following which, if there is still insufficient funds a dishonour fee is applied.

$5.00 following 5 unsuccessful attempts3

Overdrawing approval fee

An overdrawing approval fee2 applies to some accounts when we honour a transaction which causes your account to be overdrawn or exceed its agreed overdraft limit.

$10.00 per account per day3

Things you should know

1 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. 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.

2 You can only incur one overdrawing approval fee, per account, per day irrespective of the number of transactions we honour on that day. The fee is usually charged the next business day.

3 Does not apply for Streamline Basic.