The smarter way to tap and ride.

Use your CommBank debit card (excludes Keycard and Travel Money Card), credit card or digital wallet to pay for public transport in NSW, everywhere Opal is accepted – metro, trains, buses, light rail, and Sydney Ferries.

You’ll pay the same as what you do using Opal if you ride as an Adult – other cheaper Opal fare types like Child or Concession are not available.

Find out more

Same fare. More control

Pay as you go

Pay only for what you use, directly from your account. No need to pre-pay or manage automatic top-ups.

Security at your fingertips

If you lose your CommBank card or it gets stolen, you can lock it1 immediately in the CommBank app.2 Plus, our 100% Money Back Guarantee3 means you’re fully covered for any unauthorised transactions.

Track your transport spend

Spend Tracker in the CommBank app categorises your transactions instantly. Knowing exactly what, where and how much you’re spending helps you set a budget and stay on track. 

How it works

Don’t pay more than you need to

If you tap and ride regularly, use the same card or device every time so that you’re eligible for discounts, like weekly travel caps. 

Avoid card clash

To pay the correct fare, tap on and tap off with the same card or device and make sure you don’t have any other cards next to the one you’re tapping. Tap your card or device, not your wallet.

Tap success

Similarly to using your Opal card, the words ‘Tap success’ will appear on the Opal reader and a bell will sound when you have tapped successfully. You must have your own card or device per person to tap successfully.4  

Pending Transactions

After your first tap on at an Opal reader each day, $1 will be pre-authorised on your account. As you travel throughout the day, your fares will be accumulated and you will then be charged the correct fare and the $1 will be released. 

Your privacy

If you use a CommBank card for public transport in NSW instead of an Opal card, you may be asked to provide that card (or device if using a digital wallet) to an Authorised Transport Officer for inspection so that they can see if you’ve tapped on to pay for your trip. They can’t see your account details, address, statement details or unrelated transactions but can see where the card or digital wallet was tapped on and off and details of the last 10 transport transactions.

Charged an incorrect fare?

If you have been charged an incorrect fare, complete a Contactless Transport Payments Reimbursement Form located on the website. Transport for NSW will assess the request in line with its policy – any refunds will be returned to your account.

Tranport for NSW logo

Things you should know

1 Lock, Block, Limit does not apply to transactions that are flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Except for the spending cap, transactions made via Tap & Pay set up on a compatible smartphone or via a PayTag are not blocked. Some transactions made via CommBank branches, telephone, online or mobile banking, including transfers to other accounts, bill payments, and assisted cash withdrawals are also excluded. Other conditions apply.

2 Full terms and conditions available on the CommBank app. 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 4.4+ and iOS operating system 9.0+. NetBank access with NetCode SMS is required. 

3 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.

4 Each passenger must have their own separate card or device. If customers are travelling with children, customers should buy them an Opal single trip ticket from a ticket machine or get a Child / Youth Opal card from an Opal retailer. Customers cannot pay multiple fares using the same card or device.

Note: We are aware of an issue where some CommBank Visa Awards credit cards are not functioning with the Opal readers. This issue only affects CommBank Visa Awards credit cards issued between September 2016 and December 2017. All other CommBank Visa cards function correctly. We can replace affected cards for these customers. In the meantime, they will need to use another credit/debit card, obtain an Opal card or purchase a single trip ticket.