Use your Debit Mastercard instantly

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.

Find out more about Debit Mastercard

Debit Mastercard


An everyday transaction account

  • No monthly account fees if you’re under 30 with our Everyday Account Smart Access1
  • Ideal for your day-to-day banking – like depositing your pay, paying friends, or shopping in-store and online

More ways to pay

  • Add your Debit Mastercard to your CommBank Tap & Pay, Apple Pay, Google Pay or Samsung Pay mobile or wearable
  • Use PayID to pay your friends instantly
  • Get cash out from an ATM with or without your card using Cardless Cash2

The CommBank app

  • Easily manage your money on the move with the CommBank app
  • Track and categorise your spending
  • Create smart budgets in an instant
  • Cash Flow View helps you stay in control of your spending
  • Goal Tracker3 can help you set and reach your savings goals

Extra everyday benefits and offers

  • Unlock everyday value and exclusive shopping offers when you activate and shop with CommBank Yello Cashback Offers.4 Enjoy offers from brands like JB Hi-Fi, Myer, Coles and more
  • Earn interest on your savings with a NetBank Saver5 or GoalSaver account

Here’s what you get

  • No monthly account fee if you’re under 30 or meet other conditions1
  • Access to personalised tools and features with the CommBank app
  • Includes a physical and digital Debit Mastercard
  • Get paid into this account
  • Pay bills and friends
  • Shop online and in-store in Australia and overseas
  • Send and receive money from overseas
  • An account for you or with someone else
  • We’ll protect you from losses due to unauthorised transactions6 on personal and business accounts when you take the necessary steps to stay safe online
  • Added security of real-time transaction notifications

  • Cash Flow View gives you the complete picture of your income, spending and savings habits
  • Goal Tracker3 helps you set and reach your savings goals
  • Start investing in your future with as little as $50, by opening a CommSec Pocket  account9
  • Keep track of your credit score in the Commbank app

How to apply

Open your transaction account in just a few minutes.

Domestic students

For students studying part-time or full-time at an Australian tertiary institution or undertaking an Australian apprenticeship.1

Open an account

International students

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.

Open an account

Support to manage your financial future

Earn interest on your savings

Earn interest on your savings with a NetBank Saver5 or GoalSaver account.

Discover our savings tips

CommSec Pocket puts investing within reach

Start investing in your financial future with as little as $50 by opening a CommSec Pocket9 account.

Discover CommSec Pocket

Keep on top of your financial future 

View your superannuation balance alongside your everyday banking via the CommBank app.

Discover Essential Super

Money tips for everyone

Check out our money tips and hints to help you on your way, whatever you’re up to:

Young people at a party


Awarded Australia’s best digital banking

Canstar - Bank of the year (Digital Banking) and Outstanding value

Canstar award logos

Things you should know

  • 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.

    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.

    Requires a GoalSaver or NetBank Saver in your name only.

    4The 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 Yello’). Your participation in CommBank Yello Cashback Offers is governed by the full Terms and Conditions available in the CommBank app.

    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.

    6 We protect you from unauthorised transactions on personal and business accounts when you protect how you access your accounts and tell us if something is wrong. Tell me more.

    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
    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.

    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

    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.