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About Everyday Account Smart Access


  • Over 4,000 ATMs and 1,000 branches to choose from. Find your nearest branch/ATM
  • Pay your friends the easy way with our revolutionary mobile app, the CommBank app
  • Register for Australia’s #1 online bank, NetBank, and phone banking for account access anywhere, anytime
  • Choose a Debit MasterCard® to pay with your own money
  • Global access to your money 

  • Make unlimited free electronic transactions1 at CommBank and Bankwest ATMs, EFTPOS, NetBank and unassisted phone banking
  • Transactions are updated instantly2
  • $4 monthly account fee
  • No monthly account fee if you deposit at least $2,000 a month (or $1,000 if aged 21 to 24) or if you meet one of our other fee exemptions4

  • Choose a Debit MasterCard® with PayPass™ to tap and go at participating merchants across Australia and worldwide. Fees may apply
  • Choose a Keycard to withdraw cash or make EFTPOS payments in Australia 

  • Have your salary and other direct deposits paid into your account
  • Use our free online switching tool to help move payments from another bank
  • Schedule bill payments through NetBank using BPAY® or direct debits

  • Make joint bills easier to manage with a joint bank account for up to two people. (The account must operate with 'one signature required')

Who can open an account

  • Are aged 16 years or older
  • Have an Australian residential address. If you are applying from overseas or have recently arrived in Australia see our Moving to Australia section
  • Are opening the account in your personal names (no Company, Trading or Trust accounts – see business accounts). To open a trust account, please apply at any branch
  • Have a Tax File Number (TFN) or TFN Exemption. You do not have to provide your TFN, but if you don’t CommBank is legally required to deduct tax from any interest earned on the account above a certain threshold
  • You may also need existing CommBank account number/s

  • If you're an existing NetBank customer, your account will be opened instantly online 
  • If you are new CommBank customer and/or have not had your identification verified by us, you can provide your ID details in the application. If we can verify you, you will not need to visit a branch
  • If we cannot verify you with the details provided in the application or if you have applied via your mobile phone, you will need to present your ID in branch to finish opening your account  

Rates and fees

  • $4 monthly account fee will be waived if you deposit at least $2,000 per month (or $1,000 if you're aged 21 to 24). The waiver will also apply if you're on Student Options, under 21, or you meet certain other criteria4
  • $0 ATM withdrawal fee from CommBank and Bankwest ATMs in Australia

Additional fees apply for:

  • International transactions
  • Assisted withdrawals in branch or over the phone
  • Cheques written by you

Learn more


Access your money anywhere MasterCard® is accepted, at over 35 million locations worldwide.

Features include:

  • Make purchases online and over the phone using your own money
  • Secure internet shopping with NetCode

Learn more

Be ready to manage life's little emergencies at any time. A personal overdraft is a great feature of your Everyday Account that allows you to access additional funds, up to an approved limit.

Features include:

  • $0 establishment fee
  • No monthly interest charges or fees if you don’t use your overdraft
  • Immediate access to funds through your Keycard or Debit MasterCard®

Learn more

The freedom to bank the way you want

You’ll never have to travel far to access your money, with over 4,000 ATMs around Australia. Use the CommBank app to locate one close to you.

If you've forgotten or lost your card, no worries - because Cardless Cash# will let you carry on without it, by allowing you to conveniently withdraw up to $500 cash a day from CommBank ATMs with just your phone.

If you’re in a hurry, save time at the checkout with Tap & Pay. Simply tap your phone at any contactless terminal the next time you’re shopping. Just one of the many features on the award-winning CommBank app.

For those times when you need to pop into a branch, it’s good to know there are over 1,000 branches at your convenience.

Locate a branch

Related products

NetBank Saver

An online savings account that links to your CommBank transaction account and provides instant access to your money whenever you need it.

Learn more

Streamline Basic

An easy-to-use, everyday bank account for health care or pensioner concession card holders.

Learn more

Pensioner Security Account

A no-fee account that keeps your retirement savings or pension income safe and working for you.

Learn more

Important information

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.

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.

2Excludes some contactless transactions and some credit transactions on Mobile Banking.

3Rate applies to the whole balance of the account on balances over $100,000, and is calculated daily and paid quarterly.

4Monthly 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.

#Limit of $500, in without a card withdrawals per day. CommBank app, NetBank, NetCode and account access required.

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