An explanation of the types of cookies we use and why.

Bank account options

Everyday Account Smart Access


Open a CommBank account up to three months before you arrive in Australia, or up to three months after you arrive. Once your account is opened online, you will be able to transfer money into it immediately.1

Features & benefits

Rates & fees

Apply via this page and we will waive the monthly account fee for the first year.6  After this, a monthly fee applies unless you are eligible for a further waiver.7 
See all rates and fees.

Everyday Account Smart Access for students


Open your student account up to three months before you arrive in Australia, or up to three months after you arrive. Once your account is opened online, you will be able to transfer money into it immediately.1

Features & benefits

Rates & fees

Apply via this page and we will waive the monthly account fee for the first year.6  If you show your student ID or your enrolment letter  when you are identified in branch we will waive the monthly account fee for the duration of your studies.
See all rates and fees.

Who can apply?

You can apply if you:

  • Are aged 14 years and over8
  • Will arrive in Australia in the next three months or;
  • Have arrived in Australia in the past three months
  • Are opening the account in your personal name 


If you are already in Australia and arrived more than three months ago, please apply here

How to apply

1. Complete the short application form

We recommend:

  • You have your passport with you when completing this form
  • You know the city you will be staying in when you arrive
  • You know your entry visa information


2. Visit a branch

Once you get to Australia, visit your chosen branch to collect your Debit Mastercard.9 Make sure you bring:

  • Your current passport (original document required)
  • Your Tax Identification Number (TIN) for each country of foreign tax residency
  • Your student ID or letter of enrolment (students only)

3. Download the CommBank app or log on to NetBank

Start banking straight away after your identification check. Download the CommBank app or log on to NetBank to: 

About the application process

  • You should complete the application form with your Australian details if you know them ahead of your move. For example, if you know your new Australian address, apply using that. If not, use your overseas address
  • Once you have completed the application form you will be able to transfer money into your account immediately.1 However, you will need to have an ID check in branch to take money out of the account and have full access to NetBank and the CommBank app
  • If any of your documents are in a foreign language you’ll need to get them translated into English by a professional translator accredited by the National Accreditation Authority for Translators and Interpreters (NAATI), or an equivalent accreditation

Ready to open your bank account?

Open your Everyday Account Smart Access in a few minutes.


Open now

Things you should know

1 Money transferred into the account from a foreign, non CBA account may attract a fee.

2 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. 

3 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 4.1+ and iOS operating system 8.0+. NetBank access with NetCode SMS is required.

4 Cardless cash is available from any CommBank ATM. Withdrawals are limited to a total of $500 per day. CommBank app, NetBank, NetCode and account access required. Full conditions on app.

5 Lock, Block and Limit enables customers with card account access to lock certain transaction types and unlock them only when needed. Excludes transaction flagged as recurring (e.g. direct debits), and transactions not sent to us for authorisation, or made via Tap & Pay set up on an Android device. Other conditions apply. 

6 We’ll apply a Monthly Account Fee waiver for 12 months on the Everyday Smart Access Account if you apply via this webpage and cookies are enabled on your browser. If your cookies are disabled you will not receive the Monthly Account Fee waiver.

7 Monthly account fee waived for accounts with at least $2,000 deposited each calendar month and if you are 21 to 24 years old you will be exempt from monthly account fees if you deposit at least $1000 into the account each calendar month (excludes Bank initiated transactions). A monthly account fee waiver will also apply if you’re under 21 years of age. Find out more about rates and fees.

8 If you are aged under 14 years of age, please apply for a Smart Access Account for Youth once you arrive. 

9 To ensure that your card is ready and waiting for you at your chosen branch, you must have opened your account online more than 7 days before arriving in Australia. If you applied for your account after arriving in Australia, your Debit Mastercard will be mailed out to your Australian address.

Students cannot receive a Debit Mastercard in branch - a card will be mailed out to the applicants address once ID has been verified in branch. 

10 The recipient needs to have an Australian bank account (with BSB and account number) and have an active mobile phone number.

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 68KB). Full terms and conditions for the transaction and savings accounts (PDF 660KB) mentioned and Electronic Banking are available here or from any branch of the Commonwealth Bank.

Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.