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Everyday Smart Access account
A day-to-day bank account for living and working in Australia.
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, visit any CommBank branch where you’ll need to provide identification documents and tax residency details before you can use your new account.
Features & benefits
Everyday Smart Access account for students
A bank account for students to pay for everyday things with ease, so you focus on your studies.
You can open an Everyday Smart Access account for students up to 14 days before you arrive in Australia, or within 12 months after arriving.
Once you’re in Australia, visit any CommBank branch where you’ll need to provide identification documents and tax residency details before you can use your new account.
Features & benefits
Verify your identification at any CommBank branch in Australia to start using your digital Debit Mastercard in the CommBank app. You can use it to shop in-store or online, pay bills or set up recurring payments.
Note, we are unable to accept tourist visas under subclass 600, 601 or 651
If you are already in Australia and arrived more than 12 months ago, please apply here.
Once you arrive in Australia, visit your chosen branch to collect your Debit Mastercard.9
You will need to provide your ID for verification at a CommBank branch within 20 days of opening your account or it may close automatically. You can reapply at any CommBank branch.
Make sure you bring:
Start banking straight away after your identification check.
Download the CommBank app3 or log on to NetBank to:
1 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.
2 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.
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. Find out about the minimum operating system requirements on the CommBank app page. 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. QR Cardless deposits and QR Cardless withdrawals can only be completed with the CommBank app on CommBank app registered devices at a compatible CommBank ATM (only available to QR Cardless eligible CommBank accounts). Daily deposits and withdrawals limits apply. Full terms and conditions in the CommBank 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 automatically apply a waiver to the Monthly Account Fee for 12 months on the Smart Access account if you apply via this button. Find out more about rates and fees. After the initial 12-month period, a monthly fee applies unless you are eligible for a further waiver. A Monthly Account Fee waiver will also 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.
7 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.
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 opened your account less than 7 days before, or after you arrive in Australia, or you opened your account as a student, your Debit Mastercard will be mailed out to your Australian 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.
11 Canstar 2024 Digital Banking Bank of the Year.
The target market for this product will be found within the product’s Target Market Determination, available here.
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. Full terms and conditions for the transaction and savings accounts 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.
