Strategy - Commonwealth Bank Group

Our Strategy.

Customer Focus

Our customers are our number one priority. They are what unify us; our customers are at the heart of what we do. We will continue to focus on securing and enhancing the financial wellbeing of our customers and it is this focus that will see us continue to provide them with an outstanding customer experience.


We have a vibrant, customer-focused and high-integrity culture. Our people are central to our success. We will continue to invest in people development, talent management and making the Group a place committed to diversity, safety and one where our people are proud to work.


We are applying world-class technology to meet the evolving needs of our customers. We are developing applications that leverage real-time capabilities, considering new ways for our customers to interact with us, using our analytic insights to offer more value and better pricing, providing greater stability for our customers and continuing to use technology to enhance productivity.


We are continuously simplifying the way we do things to achieve better outcomes for our customers and our people. This is something good businesses do at all times and is critical to our long-term success. We are taking a process-by-process look at the Group, finding ways to improve turnaround times, reduce errors, and reduce unit costs.


Through the global financial crisis we learnt that the Group’s strength and stability makes us an organisation Australians trust to look after their money. A strong and flexible balance sheet is important to ensuring we can continue to support our customers and capitalise on opportunities.

World-Class Technology. 

New Commbank app:

  • One app for all your banking needs
  • Quicker and easier banking
  • Make secure, contactless payments with just a simple tap of the phone
Get CommBank app on Google play Download CommBank app on App store CommBank app Windows phone

CommSec app:

  • Trade when and where you want
  • Receive live market data
  • View all your holding in a single page
CommSec app on Google Play CommSec app on App store

CommBank Property Guide app:

  • View sales data on more than 80% of residential properties in Australia
  • Automated RP Data value guide
  • Comprehensive suburb insights
CommBank Property guide app on Google Play CommBank property guide up on app store CommBank property guide app Windows phone

Cardless Cash:

  • Convenient access to cash from an ATM without a card
  • Withdraw up to $200 a day from over 3,000 CommBank ATMs
  • Simple process via the CommBank app exchange rates
Cardless cash on Google Play Cardless cash on app store Cardless cash windows phone

Lock and Limit:

  • Choose to allow, block or limit transactions
  • Log in and change setting 24/7
  • 100% security guarantee
Lock and limit on Google Play Lock and limit on app store Lock and limit on Windows phone

CommBiz Mobile app

  • Real-time account balances and transaction history
  • Make payments anytime, anywhere
  • Transfer between accounts
CommBiz modbile app on app store


  • Designed for medium to large-sized businesses
  • A fully mobile merchant terminal which pairs with your smart phone to allow on-the-spot secure payments
  • Offers business efficiencies and a tailored experience through a range of apps

Emmy + Small Business app:

  • Designed for smaller mobile businesses
  • Pairs with the CommBank Small Business app and turns your smartphone or tablet into a powerful payment tool
  • On-the-spot, secure payments and invoicing with built in email functionality

Daily IQ app:

  • Available to all CommBiz customers on iPad
  • Keep an eye on your business anytime, anywhere
  • Receive industry and market updates


  • Trade and manage your Australian share portfolio
  • Access your portfolio 24/7
  • Obtain market insights