A transaction account to suit you

Everyday Account Smart Access

Transaction account with a Debit Mastercard to use for shopping, paying bills, withdrawing cash and more. Plus a low account fee which we can waive1.

An account just for you (or open with someone else). Open online in just 5 minutes. 

Take a look

Greater choice & full control

Know exactly how much money is in your account, track your spending and more in the CommBank app and NetBank:
 
  • Check what, where and how much you're spending with Spend Tracker2
  • Choose how to pay - using your phone, card or wearable
  • Get an overview of all your accounts in one place
  • Know when you pay or get paid with Transaction Notifications2
  • Transfer between accounts and set automatic payments
  • See, track and pay bills or pay back friends
  • Pay or get paid to a mobile number with PayID
  • Send and receive money from overseas
  • Lock, Block, Alert for your Debit Mastercard

Plus peace of mind that your money is safe and secure, with our 100% Security Guarantee3

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Things you should know

1 Monthly account fee waived for accounts with at least $2,000 deposited each calendar month and if you're 21 to 24 years old you'll be exempt from monthly account fees if you deposit at least $1,000 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.

Not available on Pensioner Security Accounts and Business Transaction Accounts

3 We’ll cover any loss due to unauthorised transactions on your account, as long as you protect your cards, devices, client numbers, PINs, passwords and any other access methods, and immediately notify us of their loss, theft or misuse or any suspicious activity on your account.

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 60KB). View the full terms and conditions for the transaction and savings accounts mentioned (PDF 660KB) or from any branch of the Commonwealth Bank.

Full terms and conditions of the CommBank app are available on the app. The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. The CommBank app is available on Android operating systems 4.1+ and iOS operating system 8.0+. NetBank access with NetCode SMS is required.