Help & support
Accessing your money is easy with our extensive ATM and branch network across Australia.
Bank anywhere and at any time over the phone, with our CommBank app and in NetBank – Australia’s award-winning online bank*.
There's a $0 monthly fee for eligible customers, so you have more in your pocket for other things in life.
We'll waive your monthly account fee if you have one of the following Commonwealth of Australia concession cards:
You also need to make sure your government pension or payments are paid into this account.
The rates and fees that apply to an Everyday Smart Access also apply to Streamline Basic accounts, with the exception of the following:
For full details, read the Transaction, Savings and Investment Accounts General Information and Terms and Conditions.
Streamline Basic is available to anyone with one of the following Commonwealth of Australia concession cards:
To apply, you’ll need to bring valid ID (e.g. current driver’s licence or passport) to one of our branches if you don’t already bank with us. You’ll also need to bring your eligible physical or digital concession card. You must also have an Australian residential address.
To open a joint account, both applicants must also be 18 years or older.
Ready to apply? Find your nearest branch or if you're an existing customer, you can also call 13 2221.
We’ll also ask you about your tax residency (a Government requirement). Here’s why.
* Awarded ‘Bank of the Year – Digital Banking’ for 2025 (for the 16th year in a row) by Canstar in May 2025.
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
2 You’ll also be able to access your money anywhere MasterCard is accepted, at over 35 million locations worldwide (access fees may apply)
3 For in-store purchases under $100. Fees may apply.
The target market for these products will be found within the product’s Target Market Determination, available here.
Services not available with Streamline Basic include cheque books, overdrawing or formal overdraft facilities. If you switch to a Streamline Basic account from another CommBank account which allows cheque book access and you’ve been using that facility to access your account, we may permit you to continue using your cheque book to access your Streamline Basic account until you use all of the cheques in that cheque book. Then, cheque access will no longer be available for the new 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). Full terms and conditions for Transaction, Savings and Investment Accounts and Electronic Banking are available here
or from any branch of the Commonwealth Bank.
