Help & support
18 to 29? Turn your daily commute on public transport into a monthly reward. Get 5% cashback (up to $25) a month throughout the offer period, when you spend $50 a month. All you need to do is open your first Everyday Smart Access account and tap on and off or load your transport card using your CommBank Debit Mastercard.*
Start using the digital version of your Debit Mastercard before your physical card arrives to shop in-store or online, pay bills or set up recurring payments. View your card details in the CommBank app.
If you’re an international student, you’ll first need to verify your identification at any Australian CommBank branch. You’ll then be able to use your digital Debit Mastercard.
Open your transaction account in just a few minutes.
For students studying part-time or full-time at an Australian tertiary institution or undertaking an Australian apprenticeship.1
Open an account online with Australia’s largest bank.
Apply if you’re arriving in Australia within 14 days, or are already here.
You’ll need to verify your ID (passport) at a CommBank branch before you start using your account.
Earn interest on your savings with a NetBank Saver5 or GoalSaver account.
Start investing in your financial future with as little as $50 by opening a CommSec Pocket9 account.
View your superannuation balance alongside your everyday banking via the CommBank app.
Check out our money tips and hints to help you on your way, whatever you’re up to:
Awarded ‘Bank of the Year – Digital Banking’ for 2025 (for the 16th year in a row) by Canstar in May 2025.
* Eligibility Conditions
To be eligible for the 5% cashback offer, you must open a new CommBank Everyday Smart Access Account online or in a branch between 15 September 2025 (12:01am, AEST) and 31 December (11:59pm AEST) (‘the offer period’) and spend at least $50 (AUD) in a calendar month on eligible public transport1 using your CommBank Debit Mastercard during the offer period.
This offer is for customers aged between 18 to 29 (inclusive) at the time of account opening and who have never held a CommBank Everyday Smart Access Account. Single accounts only. Excludes joint and Everyday Offset accounts.
How to Qualify
To qualify for the cashback, you need to spend at least $50 in a calendar month on eligible public transport using your CommBank Debit Mastercard (‘Eligible spend’) during the offer period.
Eligible spend includes using your CommBank Debit Mastercard to (i) make a payment with any eligible public transport merchant1 and/or (ii) top up a public transport card with any eligible public transport merchant.1 Spending on rideshares, taxis, fuel, private transfers, flights, or other non-public transport merchants are not eligible for this offer. Transactions and payments on eligible public transport must be settled by the end of the month (not pending) to be eligible.
The maximum cashback you can receive is $25 (AUD) per month. Each customer can receive only one cashback per month, and this promotion cannot be used in conjunction with other Smart Access account offers.
Getting Your Cashback
You will receive 5% cashback for each month you spend at least $50 in Eligible spend on public transport, up to a maximum of $25 per month. Cashback will be credited to your new Everyday Smart Access Account up to 45 days after the last day of the month in which you meet the Eligible spend conditions. Your Everyday Smart Access Account must remain open and active to receive the cashback payment. Cashback payment will appear as “CBATRANSPORTCASHBACK”.
This is general information only and does not consider your personal objectives, financial situation, or needs. Before acting on the information, please consider obtaining professional advice specific to your needs, including financial, taxation and legal advice.
CommBank reserves the right to change, end, or extend the offer at any time as permitted by law.
1 Eligible Public Transport Merchants
1. NSW – Transport NSW (Opal, Trainlink): Bus, Train, Metro, Ferry, Light Rail
2. VIC – Transport Victoria (myki): Bus, Train, Tram
3. QLD – Translink (go card): Bus, Train, Tram, Ferry
4. SA – Adelaide Metro (metroCARD): Bus, Train, Tram
5. WA –Transperth (SmartRider): Bus, Train, Ferry
6. TAS – Transport Tasmania (Greencard, Transportme): Bus, Ferry
7. ACT – Transport Canberra (MyWay): Bus, Light Rail
8. e-Bikes and e-Scooters: Lime, HelloRide, Beam, Neuron Mobility, Ario
1 A Monthly Account Fee waiver applies if you’re under 30 years of age, or 30 and above and deposit at least $2,000 each calendar month (excludes Bank initiated transactions). 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.
2 QR Cardless deposits and QR Cardless withdrawals can only be completed with the CommBank app on CommBank app registered devices at a compatible CommBank ATM (only available to QR Cardless eligible CommBank accounts). Daily deposits and withdrawals limits apply. Full terms and conditions in the CommBank app. See also QR Cardless Deposits and QR Cardless Withdrawals.
3 Requires a GoalSaver or NetBank Saver in your name only.
4 The CommBank Yello Cashback Offers program (‘CommBank Yello Cashback Offers’) rewards you with cashback after you activate (where required) an offer presented to you via the CommBank app and you make a purchase in accordance with the Terms and Conditions of that offer. Cashback is typically received within 14 business days of a qualifying purchase, but in some cases may take longer. If you are not already enrolled, you can enrol if you are at least 18 years old, hold an eligible CommBank credit Mastercard or debit Mastercard, Business credit Mastercard or StepPay digital card, and meet the ‘Base eligibility criteria’ in the ‘CommBank Yello Terms and Conditions’ (latest version available on our website at commbank.com.au) (‘CommBank Yello’).
5 If you don’t have an existing transaction account to link to your NetBank Saver, then we’ll automatically open a Smart Access account for you when you open a NetBank Saver. Fees may apply to this account. Find out more about rates and fees.
7 We predict your bills based on patterns in your transactions, how much you pay and when. We may not predict all of your bills. Our prediction date and amounts may be different from your actual bill. Check your bills and due dates to avoid late fees or paying an incorrect amount. See 'Bills and payments' in the CommBank app Terms and Conditions for full details.
8 The recipient needs to have an Australian bank account (with BSB and account number) and have an active mobile phone number.
9 For more information on Commsec Pocket visit https://www.commbank.com.au/investing/commsec-pocket.html
Commonwealth Securities Limited ABN 60 067 254 399, AFSL 238814 (CommSec) is a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945. The value of your investment may go down as well as up. The minimum allowable size of your investment is subject to fluctuations in ETF unit prices. Brokerage is charged at $2 per trade, for trades up to $1,000 and 0.20% for trades above $1,000. To operate a CommSec Pocket account, you’ll need an eligible CommBank transaction account. Please consider the CommSec Pocket Terms and Conditions and Financial Services Guide.
10 Travel Booking is provided by Hopper Inc (Hopper). Hopper is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the Travel Booking terms and conditions. CBA does not guarantee the obligations or performance of Hopper or the services it offers. CommBank Awards customers can choose to use all or part or all of their Awards points for payment of their booking.
CommBank will receive a portion of the revenue generated from the Travel Booking platform.
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. Terms and conditions are available in the app. NetBank access with NetCode SMS is required.
The target market for these products will be found within the product’s Target Market Determination, available at commbank.com.au/tmd.
The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, 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.
Electronic transactions can be made via Commonwealth Bank ATMs and Bankwest ATMs, online with NetBank, via telephone banking or EFTPOS in Australia.
Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.
Apple, the Apple logo, Apple Pay, Apple Watch, MacBook Pro, iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.
