Features & benefits

Over 4,000 ATMs and 950 branches

Accessing your money is easy with our extensive ATM and branch network across Australia.

24/7 banking

Bank anywhere and at any time over the phone, with our CommBank app and in NetBank – Australia’s #1 online bank.

Forget your monthly account fee

Eligible customers won’t be charged a monthly account keeping fee. 

Easy banking

Make unlimited free electronic transactions1

Through CommBank and Bankwest ATMs, EFTPOS and internet transactions. You can also make unlimited branch and phone assisted withdrawals.1

Conveniently pay bills

You can use BPAY®, set up direct debits and automate regular bill payments with your service providers.

Shop using your own money

Choose a Debit Mastercard® to pay with your own money online, over the phone or overseas.2

Secure, cashless payments are now possible using your compatible phone or wearable. See how.

Tap & Go at the checkout

Use your Debit MasterCard to make fast contactless participating merchants worldwide.3

unlimited transactions
pay your bills easily

Rates & Fees

We will waive your monthly account fee if you hold one of the following Commonwealth of Australia concession cards:

  • Commonwealth Seniors Health card
  • Commonwealth Pensioner Concession card
  • Commonwealth Health Care card 

You also need to have your government pension or payments paid into the account.

The rates and fees applying to Everyday Smart Access apply to Streamline Basic accounts, with the exception of those shown here.

Rate / fee
Streamline Basic account
Monthly account fee
Electronic withdrawals
Unlimited1 free
Assisted withdrawals
Unlimited1 free
Overdrawing approval fee
Dishonour fee
Interest rate
n/a - this account does not earn interest

Who can apply?

Streamline Basic is available to customers who hold one of the following Commonwealth of Australia concession cards: 

  • Commonwealth Seniors Health card
  • Commonwealth Pensioner Concession card
  • Commonwealth Health Care card

You must also have an Australian residential address. If you live overseas or have recently arrived in Australia, visit our Moving to Australia section.

Streamline account for seniors

Things you should know

1 Excludes non-Commonwealth Bank ATMs here and all ATMs overseas, EFTPOS  and Debit MasterCard transactions overseas (or purchases involving currency conversion), transfer group payments to third parties, International Money Transfers and separate services such as bank cheques, periodic payments and transfers/deposits to other banks. Access fees apply on all ATM and EFTPOS transactions overseas or involving a currency conversion. Other fees and charges may apply

 You’ll also be able to access your money anywhere MasterCard is accepted, at over 35 million locations worldwide (access fees may apply)

 For in-store purchases under $100. Fees may apply.

Services not available with Streamline Basic include scheduled payments using NetBank; cheque books and overdraft facilities. 

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 Transaction, Savings and Investment Accounts and Electronic Banking are available here 
or from any branch of the Commonwealth Bank.