Greater choice & full control

Benefits & rewards

  • No monthly account fee if you deposit $2,000 each month, are under 25, or meet other conditions1
  • Get cashback when you shop at popular brands with CommBank Rewards2
  • Fee-free ATM withdrawals when you use major ATMs in Australia3

Pay your way

  • Get paid into this account, and use it to pay your bills and friends
  • Add your Debit Mastercard to your phone or wearable, using Apple Pay, Google Pay or Samsung Pay
  • Shop now, pay later with StepPay and Klarna

Manage your spending

Australia’s award-winning banking app to help you manage your money4

Secure banking

  • 100% Security Guarantee on your money6
  • Secure and easy 24/7 banking with NetBank and our CommBank app
  • Securely lock & unlock your Debit Mastercard

With Debit Mastercard

Your Smart Access account comes with a Debit Mastercard to use for ATM withdrawals and purchases worldwide - online or over the phone.

More about Debit Mastercard

Debit Mastercard

Fees & rates

Fee type
Fee / rate
Monthly fee
$4 or
$0 if conditions are met
The fee will be waived if:
  • You’re under 25 years of age, or
  • You deposit at least $2,000 per month (excludes Bank initiated transactions), or
  • You’re on Student Options1, or
  • You meet other criteria1
ATM withdrawal fee
At many ATMs across Australia, including other major banks3
International transactions fees
Charges apply for overseas transactions8
Assisted withdrawals
Applies if you make assisted branch and phone withdrawals
Interest rate
This account doesn't earn any interest
Overdraw fee
Applies when we allow payments to go through which overdraw your account or exceed its agreed overdraft limit on a given day. You can only incur one overdraw fee per account per day, regardless of the number of transactions or payments we allow to go through in that day.9
Dishonour fee
Applies if there are insufficient available funds to make the scheduled payment. We will attempt to make the scheduled payment over 5 days10, following which, if there is still insufficient funds, a dishonour fee will be applied.

How to get started

1. Complete our short application form

  • Already bank with us? We'll pre-fill the info you've already told us so it's speedier
  • New to CommBank? We'll ask for info like your full name, home address and contact details then ask you to create a password so you can bank online in NetBank
  • We’ll also ask you about your tax residency (a Government requirement). Here’s why.


2. New to CommBank? We'll quickly check your ID online

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).

3. Download the CommBank app or log on to NetBank

Start banking straight away. While your Debit Mastercard is on its way to you, download the app or log on to NetBank to: 

  • Withdraw money from CommBank ATMs using Cardless Cash10
  • Pay friends using just their mobile number11

4. When your Debit Mastercard arrives

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.

Open now

Who can apply?

You can apply if you:

  • Are aged 14 years and over (for under 14s, see our Smart Access Account for Youth)
  • Have an Australian residential address. If you're applying from overseas, see our Moving to Australia section
  • Are opening the account in your personal names (no Company, Trading or Trust accounts - see business accounts). To open a trust account, please apply at any branch
  • Have a Tax File Number (TFN) or TFN Exemption. You don't have to provide your TFN, but if you don't CommBank is legally required to deduct tax from any interest earned on the account above a certain threshold
  • Thinking of switching to CommBank? Our free online switching tool helps you move regular payments – like your salary and bills –  to your new account

Things you should know

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.

Independent ATM providers may charge a withdrawal fee.

4 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.

5 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.

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

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. 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.

9 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.

10 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.

11 The recipient needs to have an Australian bank account (with BSB and account number) and have an active mobile phone number.

The target market for this product will be found within the product's Target Market Determination, available at

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 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.