Help & support
An explanation of the types of cookies we use and why.
18 to 29? Turn your daily commute on public transport into a monthly reward. Get 5% cashback (up to $25) a month throughout the offer period, when you spend $50 a month. All you need to do is open your first Everyday Smart Access account and tap on and off or load your transport card using your CommBank Debit Mastercard.*
Check your spending with Spend Tracker, set budgets with Category Budgets and predict upcoming bills with Bill Sense.
Extra control at your fingertips with Lock, Block, Alert for your Debit Mastercard.
Earn a 4.45% p.a. variable introductory rate15 when you open a NetBank Saver account for the first time.
You can open an Everyday Smart Access account up to 14 days before you arrive in Australia, or within 12 months after arriving.
Once you're in Australia, you'll need to visit any CommBank branch and provide identification documents and tax residency details before you can use your new account.
Working and living in Australia
$0 monthly account fee for the first year3
You are eligible if you:
Note, we are unable to accept visitor visas under subclass 600, 601 or 651.
If you are already in Australia and arrived more than 12 months ago, please apply online.
International students
$0 monthly account fee if you're under 302
You are eligible if you:
Note, we are unable to accept visitor visas under subclass 600, 601 or 651.
If you are already in Australia and arrived more than 12 months ago, please apply online.
* Eligibility Conditions
To be eligible for the 5% cashback offer, you must open a new CommBank Everyday Smart Access Account online or in a branch between 15 September 2025 (12:01am, AEST) and 31 December (11:59pm AEST) (‘the offer period’) and spend at least $50 (AUD) in a calendar month on eligible public transport1 using your CommBank Debit Mastercard during the offer period.
This offer is for customers aged between 18 to 29 (inclusive) at the time of account opening and who have never held a CommBank Everyday Smart Access Account. Single accounts only. Excludes joint and Everyday Offset accounts.
How to Qualify
To qualify for the cashback, you need to spend at least $50 in a calendar month on eligible public transport using your CommBank Debit Mastercard (‘Eligible spend’) during the offer period.
Eligible spend includes using your CommBank Debit Mastercard to (i) make a payment with any eligible public transport merchant1 and/or (ii) top up a public transport card with any eligible public transport merchant.1 Spending on rideshares, taxis, fuel, private transfers, flights, or other non-public transport merchants are not eligible for this offer. Transactions and payments on eligible public transport must be settled by the end of the month (not pending) to be eligible.
The maximum cashback you can receive is $25 (AUD) per month. Each customer can receive only one cashback per month, and this promotion cannot be used in conjunction with other Smart Access account offers.
Getting Your Cashback
You will receive 5% cashback for each month you spend at least $50 in Eligible spend on public transport, up to a maximum of $25 per month. Cashback will be credited to your new Everyday Smart Access Account up to 45 days after the last day of the month in which you meet the Eligible spend conditions. Your Everyday Smart Access Account must remain open and active to receive the cashback payment. Cashback payment will appear as “CBATRANSPORTCASHBACK”.
This is general information only and does not consider your personal objectives, financial situation, or needs. Before acting on the information, please consider obtaining professional advice specific to your needs, including financial, taxation and legal advice.
CommBank reserves the right to change, end, or extend the offer at any time as permitted by law.
1 Eligible Public Transport Merchants
1. NSW – Transport NSW (Opal, Trainlink): Bus, Train, Metro, Ferry, Light Rail
2. VIC – Transport Victoria (myki): Bus, Train, Tram
3. QLD – Translink (go card): Bus, Train, Tram, Ferry
4. SA – Adelaide Metro (metroCARD): Bus, Train, Tram
5. WA –Transperth (SmartRider): Bus, Train, Ferry
6. TAS – Transport Tasmania (Greencard, Transportme): Bus, Ferry
7. ACT – Transport Canberra (MyWay): Bus, Light Rail
8. e-Bikes and e-Scooters: Lime, HelloRide, Beam, Neuron Mobility, Ario
1 'Bank of the Year – Digital Banking' for 2025 (for the 16th year in a row) by Canstar in May 2025.
2 A monthly account fee waiver will apply if you're under 30 years of age, or if you deposit at least $2,000 each calendar month (excludes Bank-initiated transactions). You may also be eligible for a different Monthly Account Fee exemption if you have an aged, disability or war veterans' pension deposited in your account, have a balance of $50,000 or more in eligible contributing accounts, are reliant on over the counter services because of a disability, or have an eligible home loan. Find out more about rates and fees.
3 We'll automatically apply a waiver to the Monthly Account Fee for 12 months on the Smart Access account if you apply via the button below. Find out more about rates and fees. After the initial 12-month period, a monthly fee applies unless you are eligible for a further fee waiver. For example, a Monthly Account Fee waiver will apply if you're under 30 years of age, or if you deposit at least $2,000 each calendar month (excludes Bank initiated transactions). You may also be eligible for a different Monthly Account Fee exemption if you have an aged, disability or war veterans' pension deposited in your account, have a balance of $50,000 or more in eligible contributing accounts, are reliant on over the counter services because of a disability or have an eligible home loan. Find out more about rates and fees.
4 Independent ATM providers may charge a withdrawal fee.
5 We'll pay any correspondent bank fees when you send an IMT in any currency, as long as the originating account currency is different to the payment currency (i.e. a cross-currency IMT) – e.g. using an AUD account to send a payment in USD. We won't cover any fees that may be charged by the payee's bank.
6 To gain full access to your account, an Australian residential address will need to be provided when you visit a Commonwealth Bank of Australia branch to be identified. Accountholders will not be able to withdraw their funds or have full access to the CommBank app and Netbank until they have arrived in Australia and have been appropriately identified at a CBA branch.
7 Ongoing eligibility conditions apply for CommBank Yello. Offer eligibility conditions also apply and offers may vary between customers. For more information visit commbank.com.au/commbankyello
8 If you are aged under 14 years of age, please apply for a Smart Access Account for Youth once you arrive.
9 Full terms and conditions of the CommBank app are available on the 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 8.0+ and iOS operating system 15.0+. Terms and conditions are available on the app. NetBank access with NetCode SMS is required.
10 QR Cardless deposits and QR Cardless withdrawals can only be completed with the CommBank app on CommBank app registered devices at a CommBank ATM (only available to QR Cardless eligible CommBank accounts). Daily deposits and withdrawals limits apply. Full terms and conditions in the CommBank app. See also QR Cardless Deposits and QR Cardless Withdrawals.
11 The recipient needs to have an Australian bank account (with BSB and account number) and have an active mobile phone number.
12 Travel Booking is provided by Hopper Inc (Hopper). Hopper is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the Travel Booking terms and conditions. CBA does not guarantee the obligations or performance of Hopper or the services it offers. CommBank Awards customers can choose to use all or part of their Awards points for payment of their booking.
13 Applications are subject to credit approval. Full Conditions of Use will be included at point of application. Bank fees and charges may apply. View the StepPay Terms and Conditions (PDF)
14 Not available on Pensioner Security Accounts and Business Transaction Accounts.
15 You'll need an Australian residential address to open a NetBank Saver. Open a NetBank Saver for the first time from 22 August 2025 and you’ll receive a variable introductory interest rate for the first 5 months after account opening. The variable introductory rate is currently 4.45% p.a., which includes a fixed bonus margin of 2.90% p.a. above the NetBank Saver standard variable rate, currently 1.55% p.a. At the end of the introductory rate period the NetBank Saver standard variable rate applicable at that time will apply. This introductory rate offer is available for a limited time only and the Bank reserves the right to terminate this offer at any time. The variable introductory interest rate will not apply to NetBank Saver accounts which are jointly owned where one of the account holders has previously held a NetBank Saver account.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.
Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.
The target market for this product will be found within the product's Target Market Determination.
The advice on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances. Please view our Financial Services Guide (PDF). Full terms and conditions for the transaction and savings accounts (PDF) mentioned and Electronic Banking (PDF) are available here or from any branch of the Commonwealth Bank.
