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Digital Banking / Lock, Block, Limit your credit card

Extra credit card security. More control.

  • Lock (& unlock) international payments

    If you’re not shopping on an international website or travelling overseas you can lock international online and in-store payments. Unlock instantly when you need to.

  • Lock your card temporarily

    If you misplace your credit card, you can temporarily lock it while you look for it. Then unlock it when you find it again. 

  • Lock (& unlock) contactless payments

    You can lock contactless card payments if you’re not tapping your card to pay. And unlock whenever you need to.

  • Block ATM cash advances

    Block ATM cash advances if you don’t want to withdraw cash from your credit card.

  • Limit spend per transaction

    Set a limit per transaction. Whenever a purchase is above that limit, it’ll be declined and we’ll alert you. 

  • Set a spending cap

    Setting a spending cap helps you keep on top of your spend. There's flexibility to access money if you change your mind.

  • Gambling lock

    You can apply a gambling lock to each of your eligible cards. This will automatically block most gambling transactions.

  • Daily card withdrawal limit

    Set the maximum amount of cash you can withdraw each day using your physical card at ATMs or via EFTPOS cash-out.

    Note: Different features may apply for Corporate Credit card products. Cardholders will not be able to block ATM cash advances, limit spend per transaction, set a spending cap, apply a gambling lock or daily card withdrawal limit.

  • Lock for in-store, online and contactless payments don’t apply to:

    • Any transaction not sent to us for authorisation (e.g. transactions processed when there’s a system interruption)
    • Any transactions flagged as ‘recurring’ (e.g. direct debits set up by you)
    • Digital wallet transactions (e.g.Apple Pay and Google Pay), and
    • Some online transactions where the merchant has stored your card details. 

In the CommBank app

  • You’ll need the CommBank app installed on your phone

    1. Log on securely to the CommBank app, then tap Cards on the home screen
    2. Swipe to the card you want to lock 
    3. Choose the lock, block or limit feature you’d like to activate 
    4. If you'd like to temporarily lock your card, tap Lock temporarily

In NetBank

  • If you’re not already registered for NetBank, you can register now

    1. Log on securely to NetBank
    2. Select your account
    3. On the account summary page, find the Manage my card section on the right-hand side and select View all card settings.
    4. Choose the right card, if not already selected, and then select the lock or limit you want to apply
    5. Log off once you’re done

Set a spending cap

  • An easy way to help manage your spending by capping a portion of your credit limit in the CommBank app.

    Want to restrict your day-to-day spending  just for a night out or even while you’re travelling? Spending cap lets you cap a portion of your limit, in one click, without having to permanently decrease your limit.

    Note:  Spending caps are not available for Corporate Credit card products.

    More on spending cap

We can help

Things you should know

  • Lock, Block, Limit doesn't 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 aren't blocked.

    Some transactions made at CommBank branches, over the phone, through online or mobile banking (including transfers to other accounts, bill payments and assisted cash withdrawals) are also excluded.

    Other conditions apply.

    Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

    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. Find out about the minimum operating system requirements on the CommBank app page.  NetBank access with NetCode SMS is required.