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Why choose a Smart Access bank account?

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.

Award winning mobile banking

Award winning mobile banking

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

Free alerts in NetBank

Easy to use online banking

Schedule bill payments, check your balance, manage your card and much more in NetBank – Australia’s number 1 online bank.

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Forget your monthly account fee

We’ll waive the $4 fee for your new Smart Access bank account if you deposit at least $2,000 a month.1 See all rates, fees and fee exemptions.


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


Open your account in under five minutes

Step 1
  • Already bank with us? We’ll pre-fill the info you’ve already told us so it’s speedier
  • New to CommBank? We’ll ask for info like your full name, home address and contact details then ask you to create a password so you can bank online in NetBank.


Step 2

Have either your Australian driver’s licence, Medicare card, passport or birth certificate handy. You may not even need to go to a branch.


Step 3

The Debit MasterCard® will already be on the way to you.


Step 4

Download the CommBank app to:

  • Withdraw money from CommBank ATMs using Cardless Cash2
  • Shop using your mobile with Tap & Pay
  • Pay friends using just their mobile number3


  • $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 criteria1
  • $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. Read more about personal overdrafts.

Additional fees apply for:

  • International transactions
  • Assisted withdrawals in branch or over the phone
  • Cheques written by you.
See all rates and fees

Our free online switching tool helps you move 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
Open online and make joint bills easier to manage with a joint account for up to two people.

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


Looking for Smart Access Account for Youth?

Our transaction account for under 14s helps your child learn responsible spending habits with the protection of parental controls.

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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.

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.

3 The recipient needs to have an Australian bank account (with BSB and account number) and have an active mobile phone number.

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.