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Why bank with CommBank?


Over 4,000 ATMs and 950 branches

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

24/7 calendar

24/7 banking

Bank anywhere and at any time over the phone, with our CommBank app and in NetBank – Australia’s #1 online bank.

$0 Monthly account fee

Forget your monthly account fee

Eligible customers won’t be charged a monthly account keeping fee. Find out more about rates and fees.

Here’s what you can do

Through CommBank and Bankwest ATMs, EFTPOS and internet transactions. You can also make unlimited branch and phone assisted withdrawals.*

You can use BPAY® , set up direct debits and automate regular bill payments with your service providers.

Choose a Debit MasterCard®  to pay with your own money online, over the phone or overseas#.


Use your Debit MasterCard to make fast contactless participating merchants worldwide^.

Rates and fees


Streamline Basic 

Monthly Account Fee


Electronic withdrawals

Unlimited* free

Assisted withdrawals

Unlimited* free

Overdrawing Approval Fee


Dishonour Fee


We will waive your monthly account fee if you hold one of the following Commonwealth of Australia concession cards:

  • Commonwealth Seniors Health card;
  • Commonwealth Pensioner Concession card; or
  • Commonwealth Health Care card 

You also need to have your government pension or payments paid into the account.  

The rates and fees applying to Everyday Smart Access apply to Streamline Basic accounts, with the exception of those shown here. 

For full details, please see the Streamline Basic Account Terms and Conditions.  

This should be read in conjunction with our Transaction, Savings and Investment Accounts General Information and Terms and Conditions. 

Who can apply?

Streamline Basic is available to customers who hold one of the following Commonwealth of Australia concession cards:Commonwealth Seniors Health card;

  • Commonwealth Seniors Health card;
  • Commonwealth Pensioner Concession card; or
  • Commonwealth Health Care card.

You must also have an Australian residential address. If you reside overseas or have recently arrived in Australia see our Moving to Australia section.

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Things you should know

* Excludes non-Commonwealth Bank ATMs here and all ATMs overseas, EFTPOS  and Debit MasterCard 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. Access fees apply on all ATM and EFTPOS transactions overseas or involving a currency conversion. Other fees and charges may apply.

# You’ll also be able to access your money anywhere MasterCard is accepted, at over 35 million locations worldwide (access fees may apply).

^ For in-store purchases under $100. Fees may apply.

Services not available with Streamline Basic include scheduled payments using NetBank; cheque books and overdraft facilities. 

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 (PDF68KB). Full terms and conditions for transaction and savings accounts (PDF 660KB)Streamline Basic and Electronic Banking are available here or from any branch of the Commonwealth Bank.