Help & support
On 31 March 2026, the RBA announced the following changes:
These changes are not in effect yet. The RBA has indicated that most of these changes will come into effect on 1 October 2026.
The introduction of interchange caps on foreign cards will take effect on 1 April 2027.
There's no immediate action from CommBank for you and your business. Your Point of Sale (POS), online surcharge settings and receipts remain unchanged for now.
The changes to card surcharging rules will take effect on 1 October 2026. Before this date, we'll let CommBank business customers know of any important information or updates required to your CommBank payment acceptance services.
Taking a few early practical steps can help reduce disruption when the changes come into effect.
Consider how these new rules may impact your current settings if you surcharge or enable Least Cost Routing.
Understand what you pay to accept different payment types, so you can make informed decisions about managing these costs.
Consider if you'll absorb costs or adjust your pricing structure.
A surcharge is an extra fee a business may add to a customer’s bill to recover the cost of accepting a debit or credit card payment. Read more on card surcharging.
If surcharging is enabled on your EFTPOS terminal, you may have to make updates to your surcharging settings by October 2026. You don't have to make any changes right now.
There are no immediate changes. If your current pricing or setup is changing, we'll provide you notice ahead of any changes.
Same-day settlement with a linked CommBank Business Transaction Account.1
Our EFTPOS terminals have a 1.1% flat-rate transaction fee2 and no lock-in contract.3
Access integration support and 24/7 help, plus get a replacement terminal within 4 hours in metro locations.4
Know that Australia's largest financial institution is working hard to protect your business from fraud.
As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Merchant Agreement (PDF) for applicable terms and conditions. Read the Terms and Conditions for Business Transaction and Savings Accounts (PDF) for terms and conditions applicable for CommBank Business Transaction Account and consider whether these products are right for you. The target market for this product can be found within the product’s Target Market Determination.
1 Same day settlement is available on all EFTPOS transactions made before 9:30pm (Sydney/Melbourne time) and all eCommerce transactions made before 5:30pm (Sydney/Melbourne time) for eligible customers with a CommBank Business Transaction Account and a linked CommBank merchant facility.
2 1.1% covers Mastercard, Visa, AMEX, JCB, eftpos, and UnionPay transactions (additional costs may apply for all other cards). AMEX is subject to approval, available to eligible customers only. Eligibility criteria, terms and conditions apply. Please contact AMEX for more information on 1300 363 614, available weekdays 8am to 6pm Sydney time.
3 No lock-in contracts: Cancel anytime, no fixed-term commitment. For all CommBank EFTPOS terminals, standard terms and conditions apply and 30 days' notice should be given.
4 Replacement within 4 business hours in all locations except remote areas (3 to 5 business days). A remote area is not serviced by a technician and only phone support is available.
