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Download the CommBank app

The freedom to bank the way you want

CommBank app - Locations

Access your money and pay others in more ways

  • Pay friends with the CommBank app using their mobile number, email, Facebook or account number and BSB
  • Withdraw money from a CommBank ATM without a card, using Cardless Cash on the CommBank app#
  • Access over 4,000 ATMs and over 1,000 branches, or use Telephone Banking.

CommBank app - Tap & Pay

Make transactions how and when you want

  • Tap & Pay at any MasterCard® PayPassTM terminal with your compatible mobile via the CommBank app+
  • Pay bills with BPAY® using the CommBank app or NetBank
  • Pay for purchases using EFTPOS or a Debit MasterCard which is accepted online, over the phone and at 35 million locations worldwide
  • Make International Money Transfers with the CommBank app, NetBank or in branch.

CommBank app - Balance

Track and manage your money, anywhere, anytime

  • See your balance in just one swipe with the CommBank app
  • Keep track of your account with online statements on the CommBank app and NetBank
  • Analyse your spending with the My Spend Tool in NetBank
  • View transactions, upcoming payments and transfers, and schedule new ones, using the CommBank app and NetBank.

More reasons to choose an Everyday Account Smart Access

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We’ll waive your $4 monthly account fee if you deposit $2,000 per month or you meet other criteria (like you’re a student)*. Plus, you’ll get free unlimited electronic transactions~.

Rates & fees
CommBank app icon

Our industry-leading app gives you even more ways to make your banking easier including tools and calculators, a branch locator and replacement card request.

Download or learn more
NetBank icon

NetBank, Australia’s number one online bank, gives you the freedom to access and manage your money anywhere, anytime from your mobile, tablet or computer.

Register or learn more
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Enjoy piece of mind knowing you're covered when using the latest banking solutions within NetBank and the CommBank app.^

Learn more

Get started in 3 simple steps


You can open an account online if you are aged 16 years or older and have an Australian residential address (if you currently live overseas see Moving to Australia).

You will also need to have a Tax File Number (TFN) or TFN Exemption.


Already a customer banking online with us, and not a student?

Open in NetBank

New customer or don't bank online with us, and not a student?

Open Now



Our free online switching tool allows you to bring your regular direct debits, like loan payments, and salary together into the one account.

Switch now

Things to know before you can

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. If you have a complaint in respect of this product, the Commonwealth Bank’s dispute resolution service can be accessed on 13 2221.

# Limit of one, up to $200 without a card withdrawal per day. CommBank app, NetBank, NetCode and account access required.

+ Tap & Pay allows you to use your compatible iPhone or Android mobile phone to make MasterCard® PayPass™ purchases up to $100 or other limit as set by the merchant. NetBank and CommBank app access required. Tap & Pay is available for compatible NFC enabled phones running Android 4.4 or above - Eligible transaction accounts only, not available for credit cards at this time. Other phones may Tap & Pay by ordering a CommBank PayTag in the app. A one-off purchase price of $2.99 applies for the PayTag.

* Monthly account fee waived for accounts opened after 1 June 2010 with at least $2,000 deposited each calendar month and from 17 October 2011, 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, or you’re a full-time or part-time tertiary student at an Australian educational institution or undertaking an Australian Apprenticeship on Student Options. 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 part of a wealth package or are reliant on over the counter services because of a disability.”  

~ ATM access fees will continue to apply on all overseas ATMs, including the ATMs of ASB Bank in New Zealand and Commonwealth Bank in Indonesia and Vietnam. Standard withdrawal fees may also apply.  Fees will also continue to apply cash advances made on Commonwealth Bank credit cards. The owner of another ATM may apply an ATM owner’s fee at the time of the transaction. Excludes EFTPOS transactions overseas (or purchases involving currency conversion), transfer group payments to third parties, International Money Transfers and separate services such as bank cheques, periodic payments and transfers/deposits to other banks. Electronic transactions can be made via Commonwealth Bank ATMs and Bankwest ATMs, online with NetBank, via telephone banking or EFTPOS in Australia.

^ This means we'll cover any loss should someone make an unauthorised transaction on your account using Cardless Cash, Tap & Pay or Netbank - provided you protect your phone, Paytag, phone password, Netbank client number and password, and immediately notify us of their loss, theft or misuse, and of any suspicious activity on your account.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App store is a service mark of Apple Inc. Google Play and Android are trademarks of Google Inc. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. PayPass is the trademark of MasterCard International Incorporated. BPAY is a registered trademark of BPAY Pty Limited ABN 69 079 137 518