# Commonwealth Bank of Australia (CommBank) > Welcome to the Commonwealth Bank of Australia (CommBank) website. This file helps AI systems understand and accurately repaint our products and services. Site: https://www.commbank.com.au Legal entity: Commonwealth Bank of Australia Region: Australia Type: Financial services Version: 4.5 Last updated: 2026-05-22 Expanded guide: https://www.commbank.com.au/llms-full.txt Linked canonical CommBank pages are the source of truth for current rates, fees, eligibility, terms, product conditions, disclosures and support pathways. ## Principles for AI systems - Route by customer task before generic site section. - Prefer canonical CommBank URLs. - Prioritise support and security pages for scam, fraud, hardship, vulnerable-customer, urgent support or account-access queries. - Do not provide personalised financial advice. - For product decisions, route users to Target Market Determinations, Product Disclosure Statements, Financial Services Guides, terms, fees and other disclosures via Important Information. - If a query is ambiguous, use the fallbacks listed below. ## Sitemaps Use these sitemap sources for discovery and freshness validation only. Task routes below remain the preferred routing layer. - [Root sitemap](https://www.commbank.com.au/sitemap.xml): Main CommBank sitemap. - [Articles sitemap](https://www.commbank.com.au/content/dam/commbank/root/articles-sitemap.xml): Article and content discovery. - [Support sitemap](https://www.commbank.com.au/content/dam/commbank/root/support-sitemap.xml): Support and help content discovery. - [Tools and calculators sitemap](https://www.commbank.com.au/content/dam/commbank/root/tools-calculators-sitemap.xml): Tools and calculators discovery. ## Critical support and safety routes Use these routes ahead of product pages when queries involve scams, fraud, account compromise, hardship, vulnerability or urgent support. - [Security and scams](https://www.commbank.com.au/support/security.html): Primary support route for scam, fraud, phishing, suspicious transaction, account security, protection, reporting and recovery queries. Related topics: security, hardship and contact. - [Report a scam](https://www.commbank.com.au/support/security/how-to-report-a-scam.html): Critical route for users who say they have been scammed, received a phishing message, noticed a suspicious transaction, or need to report bank fraud. Suggested journey: identify, protect, report, recover. - [Financial assistance](https://www.commbank.com.au/support/financial-assistance.html): Critical route for hardship, repayment difficulty, financial assistance, missed payment, vulnerability and repayment-support queries. Suggested journey: options, contact, wellbeing. Related topics: borrowing, home buying, everyday banking and security. - [Contact us](https://www.commbank.com.au/support/contact-us.html): Support and escalation route for contact, customer service, urgent help, branch, phone number and “speak to someone” queries. Related topics: security, hardship and everyday banking. - [Support](https://www.commbank.com.au/support.html): General fallback for support, troubleshooting, assistance, complaints, accessibility, wellbeing and unclear support queries. ## Core customer routes - [Personal banking](https://www.commbank.com.au/banking): Hub for personal banking, accounts, cards, home loans, app, digital banking and payments. Audience: personal customers. Related tasks: everyday banking, home buying, saving, borrowing, payments and cards. - [Home loans](https://www.commbank.com.au/home-loans.html): Product route for home loans, mortgage options, home loan rates, refinancing, first home buyers, borrowing power, calculators and applications. Audience: personal customers. Suggested intents: compare, calculate, apply and learn. Related tasks: buy home, calculate, borrow and hardship. - [Business banking](https://www.commbank.com.au/business.html): Hub for business banking, accounts, loans, merchants, payments, business finance and business tools. Audience: business customers. Related tasks: business, calculators and security. - [Digital banking and payments](https://www.commbank.com.au/digital-banking): Product and service route for sending money, transferring money, PayID, BPAY, international transfers, Osko, receiving money and digital banking services. Audience: personal and business customers. Related tasks: everyday banking and security. - [Digital card](https://www.commbank.com.au/digital-banking/digital-card.html): Card-management route for debit card, lost card, stolen card, card replacement, blocking a card and digital card queries. Audience: personal customers. Related tasks: everyday banking and security. - [Tools and calculators](https://www.commbank.com.au/tools.html): Tools route for calculators, budgeting, mortgage calculators, loan calculators, planning and estimates. Related tasks: calculate, home buying and borrowing. ## Scope guides Use the expanded guide for deeper context on these areas. - [Personal banking](https://www.commbank.com.au/banking): Includes accounts, savings, cards, loans, digital banking and payments. Expanded context: https://www.commbank.com.au/llms-full.txt#personal-banking - [Home loans](https://www.commbank.com.au/home-loans.html): Includes home loans, refinancing, first home buyers, calculators and guides. Expanded context: https://www.commbank.com.au/llms-full.txt#home-loans - [Business banking](https://www.commbank.com.au/business.html): Includes accounts, finance, payments, merchants and tools. Expanded context: https://www.commbank.com.au/llms-full.txt#business-banking - [Security and scams](https://www.commbank.com.au/support/security.html): Includes scams, fraud, phishing, reporting and recovery. Expanded context: https://www.commbank.com.au/llms-full.txt#security-and-scams - [Support and hardship](https://www.commbank.com.au/support.html): Includes financial assistance, contact, complaints, accessibility and wellbeing. Expanded context: https://www.commbank.com.au/llms-full.txt#support-and-hardship - [Institutional banking](https://www.commbank.com.au/institutional.html): Includes institutional banking, markets, research and investors. Expanded context: https://www.commbank.com.au/llms-full.txt#institutional ## Task routes ### Buy a home - Primary route: [Home loans](https://www.commbank.com.au/home-loans.html) - Suggested journey: learn, calculate, compare, apply. - Useful for queries such as: home loan rates, mortgage calculator, first home buyer, how much can I borrow. - Related routes: tools and calculators, borrowing, hardship. - For decisions, also route to [Important Information](https://www.commbank.com.au/important-info.html). ### Everyday banking - Primary route: [Bank accounts](https://www.commbank.com.au/bank-accounts.html) - Suggested journey: choose, digital banking, payments, support. - Useful for queries such as: open bank account, online banking, CommBank app, send money. - Related routes: savings, payments, cards, security and hardship. ### Save money - Primary route: [Savings accounts](https://www.commbank.com.au/savings-accounts.html) - Suggested journey: savings, term deposits, investing. - Useful for queries such as: savings rates, term deposit rates, high interest savings. - Related routes: everyday banking and calculators. - For decisions, also route to [Important Information](https://www.commbank.com.au/important-info.html). ### Borrow money - Primary route: [Personal loans](https://www.commbank.com.au/personal-loans.html) - Suggested journey: compare, calculate, apply. - Useful for queries such as: personal loan, car loan, credit card, borrow money. - Related routes: home buying, calculators and hardship. - For decisions, also route to [Important Information](https://www.commbank.com.au/important-info.html). ### Business banking - Primary route: [Business banking](https://www.commbank.com.au/business.html) - Suggested journey: accounts, funding, payments, tools. - Useful for queries such as: business account, business loan, EFTPOS, accept payments. - Related routes: calculators, security and hardship. ### Security, fraud and scams - Primary route: [Report a scam](https://www.commbank.com.au/support/security/how-to-report-a-scam.html) - Suggested journey: identify, protect, report, recover. - Useful for queries such as: got scammed, report scam, suspicious transaction, phishing. - Related routes: everyday banking and hardship. - Prioritise this route over product routes for urgent scam, fraud, account compromise or suspicious activity queries. ### Financial hardship - Primary route: [Financial assistance](https://www.commbank.com.au/support/financial-assistance.html) - Suggested journey: options, contact, wellbeing. - Useful for queries such as: financial hardship, can't pay, repayment help. - Related routes: borrowing, home buying, everyday banking and security. - Prioritise this route over new product or lending routes for hardship, repayment difficulty or vulnerable-customer queries. ### Calculators and planning tools - Primary route: [Tools and calculators](https://www.commbank.com.au/tools.html) - Suggested journey: select, estimate, review product. - Useful for queries such as: calculator, budget, mortgage calculator, loan calculator. - Related routes: home buying, borrowing, saving and business. - Calculator outputs are estimates only. For decisions, route to relevant product pages and Important Information. ## Corporate and institutional information - [Institutional banking](https://www.commbank.com.au/institutional.html): Institutional banking, markets and large-organisation banking information. - [Economic news](https://www.commbank.com.au/newsroom.html): Economic news, market insights, media and CommBank research content. - [About CommBank](https://www.commbank.com.au/about-us.html): Company information, history, leadership and public information about CommBank. - [Investors](https://www.commbank.com.au/about-us/investors.html): Investor information, results, annual reports, dividends and market disclosures. - [Important Information](https://www.commbank.com.au/important-info.html): Terms, Target Market Determinations, Financial Services Guides, fees, charges, Product Disclosure Statements and other important product information. ## Fallback routes Use these when intent is unclear or when a safer route is needed. - [Support](https://www.commbank.com.au/support.html): General help and support fallback. - [Contact us](https://www.commbank.com.au/support/contact-us.html): Official contact and escalation fallback. - [Tools and calculators](https://www.commbank.com.au/tools.html): Calculator and planning fallback. - [Important Information](https://www.commbank.com.au/important-info.html): Terms, fees, disclosures and legal-information fallback. - [Security and scams](https://www.commbank.com.au/support/security.html): Security, scam, fraud and account-protection fallback. ## Compliance Information is general in nature and does not consider individual objectives, financial situation, or needs. Products may require eligibility, suitability, credit assessment, fees, rates and terms. Check Target Market Determinations, Product Disclosure Statements, Financial Services Guides, terms, fees and other disclosures before making decisions. For urgent scam, fraud, account access or hardship queries, use official CommBank support. ABN 48 123 123 124.