Help & support
1 A Monthly Account Fee waiver applies if you’re under 25 years of age, or 25 and above and deposit at least $2,000 each calendar month (excludes Bank initiated transactions), 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.
The Smart Access account you open via this webpage will have the Monthly Account Fee automatically waived for 12 months for domestic students aged 25 and above, if cookies are enabled on your browser. If your cookies are disabled and/or if the duration of your studies is longer than 12 months, you will need to visit a branch and present your current student ID or letter of enrolment to set up the Monthly Account Fee waiver. The Monthly Account Fee waiver will be applied based on the expiry date listed on your student ID or enrolment letter. If your study exceeds 5 years, you will need to visit a branch and present your student ID again after the 5 years to continue receiving the waiver.
The Smart Access account you open via this webpage will have the Monthly Account Fee automatically waived for 12 months for international students aged 25 and above. If your studies are longer than 12 months, you will need to visit a branch and present your current student ID or letter of enrolment to extend the waiver beyond 12 months. The Monthly Account Fee waiver will be applied based on the expiry date listed on your student ID or enrolment letter. If your study exceeds 5 years, you will need to visit a branch and present your student ID again after the 5 years to continue receiving the waiver. Find out more about rates and fees.
2 The Forrester Digital Experience ReviewTM: Australian Mobile Banking Apps, Q3, 2021. Forrester Research does not endorse any company included in any Digital Experience ReviewTM report.
3 Student Options apply if you are a tertiary student at an educational institution located in Australia or are undertaking an Australian Apprenticeship. You must show us suitable student identification in branch.
4 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 terms and conditions in the CommBank app.
5 Customers can access CommBank Rewards through the latest version of the CommBank app. Rewards are available to eligible CBA credit or debit Mastercard, business credit cards and StepPay customers, that are at least 18 years old, are not in hardship, and are not in default. Rewards must be activated and redeemed instore or online in accordance to the terms and conditions. Terms and conditions including minimum spend requirements apply to CommBank Rewards and can be viewed within the CommBank app.
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. Full terms and conditions are available on the app. NetBank access with NetCode SMS is required.
If you have a complaint in respect of these products, the Commonwealth Bank's dispute resolution service can be accessed on 13 2221. Applications for finance are subject to credit approval. Individuals must be over 18 years of age to apply for Credit Card/Personal Loan/Personal Overdraft. Full terms and conditions included in our Loan Offer. Fees and charges are payable.
The target market for these products will be found within the product’s Target Market Determination, available here.
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.
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