Help & support
Enjoy up to $50 cashback when you open your first Everyday Smart Access account before the 31 March 2026 and spend at selected merchants
Our everyday bank accounts feature benefits designed for people moving to Australia.
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A day-to-day bank account for living and working in Australia. With this account you can enjoy:
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Australia has a superannuation (or ‘super’) system to support workers in saving for retirement. Overseas, comparable programs exist, often referred to as a workplace pension scheme or retirement plan. Employers in Australia are generally required to make mandatory payments (called ‘super guarantee contributions’), on top of an employee’s salary or wage, to their super fund.
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If you have already set up your CommBank account, you can receive money into it right away.
You can also send money overseas using NetBank or the CommBank app with competitive transfer rates and no international transaction fees where the payment has an FX conversion.
+ Welcome Cashback Offer Terms and Conditions
CommBank Everyday Account Smart Access: Cashback Promotion
Eligibility Conditions
To be eligible for the Welcome Cashback offer, you must open a new CommBank Everyday Smart Access Account online or in a branch between 15 January 2026 (12:01am, AEST) and 31 March 2026 (11:59pm AEST) (‘the offer period’). The Welcome Cashback offer can only be claimed once per customer, during the offer period.
This offer is for customers aged 18 years and above at the time of account opening and who have never held a CommBank Everyday Smart Access Account previously. Single accounts only. Excludes joint and Everyday Offset accounts.
You must not have held a CommBank Credit Mastercard, or CommBank Debit Mastercard, CommBank Business Credit Mastercard or CommBank StepPay digital card at any time after 31 December 2019, to be eligible for the cashback.
How to Qualify for the Cashback
Eligible customers will be able to access the below offers from 16 January 2026 to 31 March 2026 (AEST), by logging into the latest version of the CommBank App, clicking the ‘CBA Yello’ tile, activating the offer and making a purchase in accordance with the Terms and Conditions of that offer. The offer does not qualify you for the CommBank Yello program. You must meet the eligibility criteria for the CommBank Yello program, in order to be eligible for the CommBank Yello program. Ongoing eligibility conditions apply to CommBank Yello, see commbank.com.au/commbankyello for more information and the full terms and conditions.
Below are the selected merchants
Cashback will not be applied if card used to pay is changed after the order has been placed. You need to spend a minimum of $10 in one transaction at a selected merchant using your CommBank Debit Mastercard, to be eligible to receive $10 cashback from that merchant. Limit of one offer redemption per merchant, per customer. Offer Terms and Conditions & exclusions may apply, for full offer terms and conditions refer to the merchant offer in the CommBank App. This offer is not available in conjunction with any other offers, promotions or discounts offered by the selected merchants.
Cashback will be paid into your CommBank Everyday Smart Access account. Your Everyday Smart Access account must remain open and active in order to be eligible for the cashback.
Getting Your Cashback
Cashback will be paid to you after you activate (where required) the offer presented to you in the CommBank app and you make a purchase in accordance with the Terms and Conditions of that offer.
Cashback is typically received within 14 business days of a qualifying purchase, but in some cases may take longer. Cashback payment will appear as <CommBank Yello Cashback Offers> in the CommBank App and <CBCASHBACK> in Netbank.
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 and partners reserve the right to change, end, or extend this offer at any time as permitted by law.
^ International Money Transfer Offer – Terms & Conditions
CommBank Everyday Account Smart Access: IMT Preferential Pricing
Eligibility Conditions
To be eligible for the International Money Transfer (IMT) Preferential Pricing offer, you must open a new CommBank Everyday Smart Access Account via the Moving to Australia (MTA) online portal between 15 December 2025 (12:01am, AEST) and 30 June 2026 (11:59pm AEST) (‘the offer period’).
This offer is only available for eligible customers who will be either (i) arriving in Australia within the next 14 days, or (ii) have been in Australia for less than 12 months and are over the age of 18 years 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 preferential pricing on your IMT, you need to open your first CommBank Everyday Smart Access account during the offer period online via the MTA portal. If you do not use the MTA portal to open your Everyday Smart Access account, you will not qualify for this offer.
The preferential pricing on IMT will be available to you within 21 days of your new Everyday Smart Access account being opened.
Your preferential rate will only apply to IMTs you make under the customer record through which you opened your Everyday account via the MTA portal. If you have more than one customer record, the preferential rate will not apply to the additional customer record(s).
What is Preferential Pricing under this Offer?
CommBank will offer Preferential Pricing under this offer, defined as a foreign currency rate that provides a better conversion rate than the standard advertised exchange rate. Preferential pricing will only be applicable to IMTs completed between Monday to Friday. IMTs completed on Saturday and Sunday or on a public holiday will use the standard advertised exchange rate, and the preferential pricing offer will not apply.
Preferential pricing is only valid when you complete an IMT via NetBank or the CommBank app, when transferring from Australian Dollars (AUD) to any Foreign Currency. The transfer fee will also be waived for this transaction (excludes transfers in AUD to AUD).
Preferential pricing is not available on any IMT transfers from AUD to AUD. If you would like to complete the IMT in branch you will be charged an AUD $30.00 transfer fee and a minimum of AUD $5000 per transfer is required, in order to be eligible for the preferential pricing on your IMT. To find out more information about International Money Transfers including IMT Terms and Conditions for NetBank and the CommBank app, click here.
For more information about the fees and charges for international payments, read our Standard fees and charges for international payments and travel funds.
Preferential pricing under this offer is available to you, for the duration of time that you hold an eligible active CommBank transaction account (i.e. Smart Access, Complete Access, Streamline Basic, Pensioner Security or Everyday Offset account).
CommBank reserves the right to change, end, or extend the offer at any time as permitted by law.
1 After the initial 12 month period, a monthly fee applies unless you are eligible for a further waiver. Monthly account fee waived for accounts with at least $2,000 deposited each calendar month (excludes Bank initiated transactions). A monthly account fee waiver will also apply if you’re under 30 years of age. 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.
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 Canstar 2024 Digital Banking Bank of the Year.
4 A fee up to $11 AUD may apply.
5 Independent ATM providers may charge a withdrawal fee.
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 (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.
