Stay in control of your bills  

Plan & stay ahead of bill payments

Even if you’re bill savvy, Bill Sense helps you plan and stay ahead, leaving you to focus on saving.

With Bill Sense, you can see how much you’ll need to cover bills each month – up to 12 months in advance – on one simple timeline in the CommBank app.

It helps you prepare for times when bills arrive all at once, so you don't get caught out of pocket.

Personalised, data-driven bill predictions

In addition to keeping all of your bills in one place, Bill Sense can predict your upcoming bills. A predicted bill is our estimate of an upcoming variable payment e.g. your electricity bill.

We don’t talk to your billers – instead your past transactions create payment patterns to help us predict your upcoming bill payments.

Our prediction may be different from your actual bill if you’ve changed your payment amount or frequency with your biller, or if you tend to pay bills early or late. But you can fine tune and edit the details on your bills timeline, giving you the most accurate view of what’s due.

Experiencing financial hardship?  

How CommBank can help

The financial and personal wellbeing of our customers is our priority in these tough times. If you're experiencing financial hardship, or finding it difficult to keep up with your bills, we're here to support you.

Coronavirus support

Other help available

Get in touch with your other billers directly to see what kind of support they can offer you when it comes to repayments, billing amounts and deferrals.

Your bills timeline  

Find your timeline in the CommBank app

  1. Log on to the CommBank app
  2. Tap the top left menu & choose 'Bills and payments'

Your timeline (pre-populated with known and predicted upcoming bills) will appear. You can add or edit bill predictions and pay bills. You can also confirm if any irregular payments we flag are actually bills.

If you’re new to CommBank, you may need to use your everyday account first before we can start predicting bills and payments.

Since we predict your bill amount and due date using your past transactions, our prediction may be different from your actual bill. Check your bills before you pay them.

Bills shown on your timeline

  • CommBank payments e.g. your home loan1
  • Subscriptions e.g. monthly TV streaming subscriptions
  • Scheduled direct debit payments e.g. gas bill
  • Scheduled card debits e.g. monthly gym membership
  • Scheduled transfers you’ve set up between your CommBank accounts

Adding predictions to your bills timeline

CommBank app screen: menu item

1. Log on, then tap ‘Bills and payments’

Log on to the CommBank app, tap ‘Bills and payments’ in the top-left menu.

CommBank app screen: "Looking for past transactions..."

2. We create bill predictions

We’ll search past transactions, find regular payment patterns and create bill predictions.

CommBank app screen: "We've found 5 possible bills you could add"

3. We add predictions to your bills timeline

We’ll confirm how many predictions we’ve found and add them to your timeline.

CommBank app screen: "Is this a bill?" Choose "Skip" or "It's a bill"

4. You confirm if other payments are bills

If we find new predicted payments, we’ll ask you to confirm possible bills (now or later) before adding them to your timeline.

Add, edit & pay bills from your timeline

  1. Log on to the CommBank app

    Log on to the CommBank app then tap 'Bills and payments'

  2. See your bill summary or pay a bill

    Tap on a bill to see more detail in bill summary, or to pay a bill

  3. Edit and add bills

    Edit bill frequencies and amounts, directly from your bill summary. You can also rename or give your bills a nickname too. Future bills from that biller will reflect the edits you’ve made. We’ll let you know when you have new or possible bills, and let you confirm before adding them to your timeline.
Couple on couch with cute dog

Plan ahead with Bill calendar

Screenshot: "Next 30 days..."

1. Log on to the CommBank app

Log on to the CommBank app, then tap ‘Bills and payments’ to reach your bills timeline. Scroll down to see the bill calendar.

Screenshot: Bill Calendar

2. See our predicted total needed to cover upcoming bills

The bill calendar predicts the total amount you’ll need to cover bills for the next 3 months.

Screenshot: predicted cost

3. Take a closer look at monthly bills

Tap ‘See all months’ to look closely at each month. We’ll highlight variable bills – weekly, fortnightly, monthly bills for the next 12 months.

Screenshot: predicted bills including extra bills

4. We flag any extra bills

We’ll flag any extra bills, plus how much you’ll need that month to cover them, so you’re in control of your money. Extra bills include bills that fall outside of the usual bill payment pattern e.g. quarterly utility payments.

Start using Bill Sense

Other CommBank app features you can use with Bill Sense

Transaction Notifications

Turn Transaction Notifications on in the CommBank app and we'll instantly alert you when you pay using your CommBank debit or credit card, and when you receive money into your everyday account.

Explore Transaction Notifications

Spend Tracker

Spend Tracker categorises every debit and credit card transaction, making it easier to see the impact your spending decisions have on your everyday finances.

Explore Spend Tracker

Cash Flow View

Cash Flow View gives you the complete picture of your income, spending and saving habits, as well as how you’re trending month-to-month.

Explore Cash Flow View

Haven’t got the CommBank app yet?

With BPAY View, you can get bills sent straight to NetBank. We’ll tell you when a new bill arrives and remind you when a payment’s due.

It's not too late to download the CommBank app. Not only can you use Bill Sense, but day-to-day banking is secure and easy with the app.

Explore the CommBank app – Australia’s #1 banking app^

Backed by our 100% security guarantee

Our 100% security guarantee protects 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

Mother and daughter with tablet

Things you should know

Bill Sense is progressively rolling out over the coming weeks

^The Forrester Banking WaveTM: Australian Mobile Apps, Q2 2019.

Bill Sense only includes Principal and Interest Home Loans in the bill calendar and timeline

The CommBank app is free to download, however your mobile network provider charges you for accessing data on your phone. Terms and conditions are available on the app. NetBank access with NetCode SMS is required. Find out about the minimum operating system requirements on the CommBank app page