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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 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.
3 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.
4 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.
5 We’ll automatically apply a waiver to the Monthly Account Fee for 12 months on the Smart Access account if you apply via this webpage. Find out more about rates and fees.
6 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 25 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 The Smart Access account you open via this webpage will have the Monthly Account Fee automatically waived for 12 months. If your studies are longer than 12 months, you will need to visit a branch and present your current student ID or letter of enrolment to extend the waiver beyond 12 months. The Monthly Account Fee waiver will be applied based on the expiry date listed on your student ID or enrolment letter. If your study exceeds 5 years, you will need to visit a branch and present your student ID again after the 5 years to continue receiving the waiver. 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.
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.
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