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Online banking while overseas

How to manage your money and bills when you're travelling

Travelling internationally? There’s a good chance you’ll need to do some banking while you’re away.

When you’re overseas

So long as you’ve got access to a secure internet connection, an international mobile number or an Australian phone with global roaming, you can continue to bank in the same way you would at home. 

This includes:

  • Reloading your Travel Money Card immediately in NetBank or the CommBank app 
  • Paying bills in NetBank and the CommBank app 
  • Scheduling payments, paying someone and paying your credit card bill from NetBank and the CommBank app
  • Transferring money to and from your CommBank accounts in NetBank and the CommBank app.

We may need to send you a NetCode as an SMS or a CommBank app notification, so make sure the device you’re planning to use overseas can receive SMS or has the CommBank app installed with notifications allowed (or both).

You’ll need to use a NetCode to authorise things like an online password reset and an International Money Transfer. You’ll also need a NetCode when you’re adding or deleting a biller in your address book.

What to set up before you go

Being organised ahead of your international adventure can give you back precious time to enjoy your time away. 

  1. Make sure you can receive SMS or CommBank app notifications for when you request changes or certain transactions
  2. Get your bills sent straight to NetBank and the CommBank app so you can see, keep track and pay bills all in one place
  3. Consider paying your credit card automatically
  4. Check your international payment settings suit your needs when you’re overseas. Take a look at Lock, block, limit® if you’ve got a CommBank credit card 
  5. Set PINs for any credit card or debit cards – it’s worth bearing in mind that some countries only accept PINs. You can do this in NetBank and the CommBank app
  6. Activate a new card in NetBank or the CommBank app
  7. Check your credit limit and make sure your cards aren’t due to expire while you’re away
  8. Some CommBank credit cards include international travel insurance which you need to activate before you travel. If yours doesn't, you can purchase a policy and tailor CBA travel insurance through Allianz Global Assistance to your specific needs 
  9. Tell us you’re going away in NetBank and the CommBank app > Overseas travel > Tell us about your trip so we can keep an eye out for any suspicious transactions.

If you’re using NetBank while you’re away make sure you always log out, especially if you’re using a device that’s not your own. 

And if you are using someone else’s device remember not to download anything private and not to tick remember client number on the NetBank log on page.

CommBank emergency details

  • Lock, Block, Limit your CommBank credit card or lock your Travel Money Card for added security
  • Cancel and order replacement CommBank cards in NetBank or the CommBank app
  • Call us 24/7 on +61 2 9999 3283 to report lost or stolen CommBank cards

For 24 hour travel insurance emergency assistance, call Cover-More in Australia direct and toll free on +61 2 8907 5641. You can also call from:

  • Canada on 1844 345 1662
  • New Zealand on 0800 632 031
  • UK on 0808 234 3737
  • USA on 1844 345 1662

Charges apply if calling from a pay phone or a mobile phone.

This article is intended to provide general information of an educational nature only. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product advice. Insurance issued and managed by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia (‘CBA’) (ABN 48 123 123 124, AFSL 234945). CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate. Terms, conditions, exclusions, (including for pre-existing medical conditions and persons aged 80 years or over for international travel insurance included with an eligible CommBank credit card or persons aged 74 years or over for CBA Travel Insurance) limits and excesses apply. Before making a decision, refer to the relevant Product Disclosure Statement for full conditions at You need to activate your international travel insurance included with eligible CommBank credit cards before each trip in order to have comprehensive level of cover. If you don’t activate, you’ll receive personal liability cover and overseas emergency medical assistance and overseas emergency medical and hospital expenses cover only. We (CBA) do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase or upgrade a policy, we (CBA) receive a commission which is a percentage of your premium.