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Why bank with CommBank?

Choose a term that suits youGoalSaver

Over 4,000 ATMs and 950 branches

Accessing your money is easy with our extensive ATM and branch network across Australia.

Invest from $5,000

Award winning mobile banking

Our CommBank app, also available for your smartwatch, lets you pay friends using just their mobile number and more.

Free alerts in NetBank

Easy to use online banking

NetBank - Australia’s #1 online bank - lets you schedule your bill payments using BPAY® or direct debits and more.

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Forget your monthly account fee

We’ll waive the $4 fee for your new Everyday Account Smart Access if you deposit at least $2,000 a month.* Find out more about rates, fees and fee exemptions.

Here's what you can do

Fixed rate

Withdraw your cash without a card

Cardless Cash# lets you access your money from CommBank ATMs using the CommBank app.

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Tap & Pay on your mobile

Save time at the checkout with Tap & Pay. Simply tap your phone at any contactless terminal the next time you're shopping.

Earn a competitive interest rate for your investment

Shop online using your own money

You can also use your Debit MasterCard® to make contactless payments in store at participating merchants worldwide.1

Electronic transactions icon

Make unlimited free electronic transactions2

Make as many free transactions as you want using CommBank and Bankwest ATMs, EFTPOS, NetBank and unassisted phone banking.


Ready to open your Everyday Account Smart Access?


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?

Open now


  • $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 criteria.*
  • $0 ATM withdrawal fee from CommBank and Bankwest ATMs in Australia
  • $0 personal overdraft establishment fee and no monthly interest charges or fees if you don’t use your overdraft. Find out more about personal overdrafts.

Additional fees apply for:

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

Find out more

Our free online switching tool helps you move your regular payments – like your salary and bills –  to your new account.

You can apply if you:

  • Are aged 14 years and over.
  • Have an Australian residential address. If you’re 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 don’t 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.

Setting up a joint account
Make joint bills easier to manage with a joint account for up to two people. See how to set up a joint account.

Kids, teens, students and young adults:
We’ve got some handy tips and information for you.


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?

Open now


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.

* 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.

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.

1 Fees may apply.

2 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.

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