Your Virtual Account Number is an alternative to your card number. It’s a way of protecting your card details so they aren’t exposed to anyone other than you.
When you make a contactless payment, the Virtual Account Number (not your CommBank card info) is what whoever you pay sees. And it’ll also appear in your transaction history in the CommBank app and NetBank – worth remembering so you’re not confused when keeping track.
We’ll cover any loss due to unauthorised transactions on your account, as long as you protect your cards, devices, client numbers, PINs, passwords and any other access methods, and immediately notify us of their loss, theft or misuse or any suspicious activity on your account.
Getting off the starting blocks is easy. You can open an everyday account in under five minutes – it comes with a Debit Mastercard you can add to your compatible Garmin smartwatch too. If it’s a credit card you need then choose from our range of low fee, low rate and Awards cards.
Available on compatible Garmin smartwatch wearables – read the Garmin smartwatch wearable terms and conditions. Garmin Pay is powered by FitPay.
Works on iOS and Android devices.
The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. The CommBank app is available on Android operating systems 4.1+ and iOS operating system 8.0+. Terms and conditions are available on the app. NetBank access with NetCode SMS is required. Full terms and conditions available on the CommBank app.
Transaction Notifications are only available in the CommBank app to CommBank credit cardholders with no additional cardholder.
As the advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider its appropriateness to your circumstances. Please consider the Terms and conditions for our Smart Account available at commbank.com.au or at any branch. Credit card applications are subject to credit approval. Full conditions of use will be included in our loan offer. Fees and charges apply. Commonwealth Bank of Australia ABN 48 123 123 124 Australian credit licence 234945.