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Transaction accounts

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Choose an everyday bank account to suit your needs.

Everyday Account Smart Access

Your day-to-day transaction bank account

  • Access to over 950 branches and 4000 ATMs with a wide range of features
  • Tap & Pay with a Debit MasterCard®
  • Bank online with NetBank
  • Pay your friends using the CommBank app
  • $4 monthly fee waived if you deposit $2000 per month1
  • Unlimited free electronic transactions2
  • Optional personal overdraft for when you need some extra money
  • Have your identification on hand (drivers licence, passport, Medicare card or birth certificate)
  • Select 'Open now'
  • Enter your details and provide your ID
  • Your card will arrive in a few days - in the meantime you can use your account straight away with Cardless Cash3

Related bank accounts

At a glance

An everyday bank account with competitive interest for pensioners or retirees (over age 55).

Access options

  • Access to over 4,000 ATMs and 950 branches
  • Register for NetBank and phone banking for account access any time


Already a customer banking online with us?

Save time by using your NetBank details.

Open in NetBank

New customer or don't bank online with us?

Find your nearest branch

Locate us


At a glance

An everyday bank account for health care or pensioner concession card holders.

Access options

  • Unlimited free transactions at CommBank/Bankwest ATMs
  • Access your account any time in NetBank
  • Assisted phone and branch transactions
Learn more

More options to consider



Designed for under 18s, our Youthsaver account offers bonus interest for regular savings. Parental approval required if you are under 14 years of age.

Learn more
Student Options

Student Options

To help you get more out of your money while you're studying or undertaking an apprenticeship, we offer exclusive discounts on a range of our most popular products through our Student Options.

Learn more
Business Transaction Account

Business Transaction Account

Ideal if you are looking for an everyday business account to separate personal and business finances.

Learn more

Things you should know

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.

1 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 reliant on over the counter services because of a disability or have an eligible home loan. Find out more about rates and fees.

2 Some access fees may apply, see all rates, fees and fee exemptions. 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.

3 Limit of $500 in without a card withdrawals per day from over 3,000 CommBank ATMs. CommBank app, NetBank, NetCode and account access required. Full conditions on app.

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