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How to access your money when you arrive in Australia

You’ve opened your Australian bank account and transferred money across so it will be ready and waiting when you arrive in your new home. But what happens next? How do you get access to your money when you need it?

Here’s what you need to get started.

After you open a CommBank account online, we’ll send you a welcome letter with details of your new bank account, including your account number and the address of your home branch.

As soon as you’ve settled in, visit the branch you nominated when opening your account when overseas to pick up your debit card and get your account up and running. Remember to bring your account details with you, along with documents to formally prove your identity, so we can keep your money safe.

We recommend you bring originals and certified copies of your:

  • Visa
  • Current passport or national identity card, or
  • Two of the following: Drivers licence, birth certificate or citizenship certificate. 

If any of your documents are in a foreign language you'll need to get them translated into English by a professional translator accredited by the National Accreditation Authority for Translators and Interpreters (NAATI), or an equivalent accreditation. 

As soon as your new account is up and running, you can access your money:

  • In person at a CommBank branch or Australia Post agency 
  • At an ATM - most have multiple languages including Arabic, Chinese, Vietnamese, Tagalog, Korean and Greek
  • At a shop, using your Debit MasterCard®
  • Online with NetBank
  • On your smartphone with the CommBank app
  • Over the phone with Telephone Banking.

Your Debit MasterCard makes shopping a breeze, even when you’re not carrying cash. When you're at the cash register you can choose one of these easy ways to pay:

  • Press 'Savings' or 'Credit' and enter your PIN, or
  • For transactions under AU$100 you just tap your card to make a contactless payment.

You can also ask to take cash out at the counter and withdraw directly from your account without having to visit a branch.

BPAY® is a bill payment service popular in Australia. It's a convenient way to pay everyday bills online with more than 45,000 organisations. Just look for the BPAY symbol. It only takes a few moments to pay a bill with BPAY in NetBank

If you’re working in Australia, there are a few important steps to take when you start:

  • Ask your employer to pay your salary directly into your CommBank account. Simply give them the Bank/State/Branch (BSB) number and account number shown on your welcome letter.
  • Apply for an Australian Tax File Number (TFN), then share it with us or add it to your account in NetBank. By letting us know your TFN, you can help us withhold less tax from the interest you earn on your accounts.

Fortunately, our Migrant Financial Services team are here for guidance. You can open an Australian bank account online up to three months before you travel to Australia, so you can have funds ready and waiting for when you arrive.

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Things you should know

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

BPAY is a registered trademark of BPAY Pty Limited ABN 69 079 137 518.

The advice on this website has been prepared without considering your objectives, financial situation or needs. Before acting on the advice, please consider its appropriateness to your circumstances. Please view our Financial Services Guide.