Help & support
No monthly account fee when you or your joint holder deposit at least $2,000 a month1.
Access to personalised money management tools and features in the CommBank app.
Unlock exclusive benefits, cashbacks and discounts with CommBank Yello.
Each account holder gets their own linked Debit Mastercard, so you can shop securely online, in-store, or overseas.
An everyday bank account designed for customers who hold a Health Care or Pensioner Concession card, or receive an Australian government benefit payment that makes you eligible to hold a card.
For a joint Streamline Basic account only one customer needs to hold a concession card or receive a government benefit payment. Your government benefit payment must be paid into a CommBank account.
Each customer can only have a maximum of two Streamline Basic accounts.
Pair your Smart Access Everyday Transaction account with a NetBank Saver to grow your savings together.
You can add a NetBank Saver when opening a Smart Access account online.
To open a joint GoalSaver account or a joint Term Deposit, visit your nearest branch together.
You can apply if both applicants:
If one or both of you bank with us, you can apply through the CommBank app or NetBank.
You and your joint account holder will need to complete the application process within 30 days or it will expire. If it expires, you can start a new one or come visit us at Branch for help.
Got an invitation to open a joint bank account?
If you’ve received an invitation by email from the primary account holder, you can use the invitation code to get started.
A joint account is a shared bank account between two or more people, giving each account holder the ability to access and manage the funds.
Opening a joint bank account is a great way for couples to manage shared expenses, but it’s important to start with a conversation. Before applying, take time to discuss your financial goals and spending habits together.
Whether it’s a joint everyday account or savings account, merging your money can help you to:
Agree on the basics, like:
To apply for a joint Smart Access, simply click on “Open Joint Account” on this page.
The first account holder will need to:
The second account holder will receive an email asking them to:
The second account holder will need to complete their part within the 30 days of when the joint application was submitted.
Your joint account won’t be opened until the second applicant has completed their part of the application. They’ll be sent an invitation after you’ve completed your part.
If they haven’t received the link, ask them to check their junk mailbox. They’ll need to complete it within 30 days from when you submitted the application. Otherwise, the application will expire and you’ll need to start the process again.
Joint accounts are a great way to manage shared finances. As long as you’re both 18 years or older you can open a joint account with us. While they’re commonly opened by couples, they can also suit other situations:
It’s important to know that all account holders can access the funds. So, make sure you’re aligned on how the money will be used and when it’s okay to make withdrawals.
For a joint Smart Access account, the monthly account fee will be waived if you deposit at least $2,000 per month. The waiver will also apply if both account holders are under 30 or you meet other criteria.1
Either account holder can access the account and money independently, known as ‘Any to Operate’.
If you’d prefer all account holders to approve any withdrawals, known as ‘All to Operate’, you’ll need to visit a branch.
You can choose to add a savings account while opening your transaction account.
Your Tax File Number (also known as a TFN) is a 9-digit number, issued by the Australian Taxation Office (ATO), that’s unique to you. It’s an important part of your tax and super records, so keep your TFN secure. Find out more
While it's not compulsory, if either of you don't provide a TFN or TFN exemption, we may be required by law to deduct Withholding Tax at the highest marginal rate plus Medicare Levy on any interest earned on your accounts.
Your account holder will be asked to provide this when they complete their part of the application.
The Bank is authorised under the taxation laws to collect a TFN or an exemption.
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 30 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. Find out more about rates and fees.
2 Monthly account fees & other fees may apply to your linked transaction account.
3 Method of operation is 'Any to Operate'. This means only one of you is required to authorise transactions.
4 The Bank is authorised under the taxation laws to collect a Tax File Number (TFN), an Australian Business Number (ABN) or an exemption code. It is not an offence if you don’t provide a TFN, an ABN or an exemption code, but by law, we may be required to withhold a portion of your interest earned on the account.
We collect personal information about you and your joint account holder to set up the account and meet our legal obligations. For more information about how we collect and handle personal information, view our Privacy Statement.
The target market for these products will be found within the product’s Target Market Determination.
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 68KB). Full terms and conditions for the transaction and savings accounts (PDF | 660KB) mentioned and Electronic Banking are available here or from any branch of the Commonwealth Bank. Fees may apply.
