Help & support
18 to 29? Turn your daily commute on public transport into a monthly reward. Get 5% cashback (up to $25) a month throughout the offer period, when you spend $50 a month. All you need to do is open your first Everyday Smart Access account and tap on and off or load your transport card using your CommBank Debit Mastercard.*
Everyday account
A Smart Access account is an everyday transaction account for your day-to-day needs, with access to smart money management tools and rewards.
This could be for you if you want:
For flexible savers
NetBank Saver is a savings account with the flexibility to move money to and from your linked CommBank transaction account.
This could be for you if you want:
For regular savers
GoalSaver is a savings account that rewards regular savers with a variable bonus interest rate.
This could be for you if you want to:
Money Plan makes it easy to track your spending, see upcoming bills, set budgets, savings goals and more - all in Australia's best banking app.2
Make 5 eligible transactions each month to unlock discounts, cashbacks and offers with CommBank Yello.4
Earn variable bonus interest rates when you grow your savings each month with a GoalSaver account.3
The CommBank app makes investing easy. Get started from as little as $50 with Pocket ETFs or invest in over 2,000 Australian shares with CommSec Australian Shares. Learn more through the Investing hub. Also in the app, you can open Essential Super, a low-fee6 and award-winning** super account, with a range of investment options.
Whether you want to save for something specific, get on top of bills, or find out where you could be spending less, our Commbank app can support you.
With StepPay, you can buy now and pay later everywhere - split your purchases of $100 or more into four equal repayments.
Need a hand? Message us through the CommBank app. Our virtual assistant will answer you instantly or connect you with a specialist. It’s like texting; just reply when it suits you.
You’re buying here, paying there. Take a look at our money tips for students.
What to think about when you start making money.
Joint accounts and sharing financial responsibilities.
Say goodbye to interest percentages and calculations. CommBank Neo is an interest-free credit card without any late fees or surprise charges – just a simple monthly fee. Plus, you can earn cashback through CommBank Yello Cashback Offers.
Use Beem It to make or request instant payments between friends. It’s easy, secure and free to download.
Use the CommBank app to Tap and Pay, or choose from our range of digital wallets:
Saving for your first home can be challenging. That’s why we’ve worked with the Australian Government on the First Home Loan Deposit Scheme, helping more first home buyers realise their home ownership goals.
* Eligibility Conditions
To be eligible for the 5% cashback offer, you must open a new CommBank Everyday Smart Access Account online or in a branch between 15 September 2025 (12:01am, AEST) and 31 December (11:59pm AEST) (‘the offer period’) and spend at least $50 (AUD) in a calendar month on eligible public transport1 using your CommBank Debit Mastercard during the offer period.
This offer is for customers aged between 18 to 29 (inclusive) at the time of account opening and who have never held a CommBank Everyday Smart Access Account. Single accounts only. Excludes joint and Everyday Offset accounts.
How to Qualify
To qualify for the cashback, you need to spend at least $50 in a calendar month on eligible public transport using your CommBank Debit Mastercard (‘Eligible spend’) during the offer period.
Eligible spend includes using your CommBank Debit Mastercard to (i) make a payment with any eligible public transport merchant1 and/or (ii) top up a public transport card with any eligible public transport merchant.1 Spending on rideshares, taxis, fuel, private transfers, flights, or other non-public transport merchants are not eligible for this offer. Transactions and payments on eligible public transport must be settled by the end of the month (not pending) to be eligible.
The maximum cashback you can receive is $25 (AUD) per month. Each customer can receive only one cashback per month, and this promotion cannot be used in conjunction with other Smart Access account offers.
Getting Your Cashback
You will receive 5% cashback for each month you spend at least $50 in Eligible spend on public transport, up to a maximum of $25 per month. Cashback will be credited to your new Everyday Smart Access Account up to 45 days after the last day of the month in which you meet the Eligible spend conditions. Your Everyday Smart Access Account must remain open and active to receive the cashback payment. Cashback payment will appear as “CBATRANSPORTCASHBACK”.
This is general information only and does not consider your personal objectives, financial situation, or needs. Before acting on the information, please consider obtaining professional advice specific to your needs, including financial, taxation and legal advice.
CommBank reserves the right to change, end, or extend the offer at any time as permitted by law.
1 Eligible Public Transport Merchants
1. NSW – Transport NSW (Opal, Trainlink): Bus, Train, Metro, Ferry, Light Rail
2. VIC – Transport Victoria (myki): Bus, Train, Tram
3. QLD – Translink (go card): Bus, Train, Tram, Ferry
4. SA – Adelaide Metro (metroCARD): Bus, Train, Tram
5. WA –Transperth (SmartRider): Bus, Train, Ferry
6. TAS – Transport Tasmania (Greencard, Transportme): Bus, Ferry
7. ACT – Transport Canberra (MyWay): Bus, Light Rail
8. e-Bikes and e-Scooters: Lime, HelloRide, Beam, Neuron Mobility, Ario
1 Monthly account fee waived for accounts with at least $2,000 deposited each calendar month (excludes Bank initiated transactions). A monthly account fee waiver will also apply if you’re under 30 years of age. 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.
2 Awarded ‘Bank of the Year – Digital Banking’ for 2025 (for the 16th year in a row) by Canstar in May 2025.
3 Earn bonus interest when you grow your savings balance each calendar month (excluding interest and bank-initiated transactions).
4 Ongoing eligibility conditions apply for CommBank Yello. Offer eligibility conditions also apply and offers may vary between customers. For more information visit commbank.com.au/commbankyello
5 Independent ATM providers may charge a withdrawal fee.
6 The fee comparison is for MySuper products. This fee comparison is based on the Lifestage 1965-69 investment option for a member balance of $50,000 and may vary for different age cohorts. The Chant West Super Fund Fee Survey compares the Lifestage option that is closest to 71% growth assets, which is consistent with the average risk and return profile of most non-lifecycle products. Total fees and costs include administration fees and costs, investment fees and costs and net transaction costs on a gross of tax basis. Fund averages are calculated by Chant West on a weighted average basis. This comparison has been prepared by CFS using data sourced from the Chant West Super Fund Fee Survey, effective 31 March 2025 and is based on information provided to Chant West by third parties, that is believed accurate at the time of publication. Fees may change in the future which may affect the outcome of the comparison. Chant West may make adjustments to fees and costs for comparison purposes and therefore data may vary to other published materials. Whilst care has been taken to ensure that the data provided by Chant West is correct, CFS neither warrants, represents nor guarantees the contents of the information, nor does it accept any responsibility for errors, inaccuracies, omissions or any inconsistencies herein. Additional fees may apply. Refer to the PDS and Fees and Investments Reference Guide to find out more.
* Excludes interest and transactions initiated by the Bank. To qualify for bonus interest you must:
** Essential Super received Mozo’s “Exceptional Super for Gen Z” and “Low Fee Super - High Growth” awards in 2025. For more information visit Mozo.
View the StepPay terms and conditions (PDF)
The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. Find out about the minimum operating system requirements on the CommBank app page. Terms and conditions are available in the app. NetBank access with NetCode SMS is required.
The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances.
The target market for these products will be found within the product’s Target Market Determination, available here.
Credit applications subject to approval. Pocket issued by Commonwealth Securities Limited (ABN 60 067 254 399, AFSL 238814), a subsidiary of CommBank. Terms, conditions, fees and charges apply. Consider if appropriate for you.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 (CommSec) is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. CommSec is a Market Participant of ASX Limited and Cboe Australia Pty Limited, a Clearing Participant of ASX Clear Pty Limited and a Settlement Participant of ASX Settlement Pty Limited. The information has been prepared without taking into account your objectives, financial situation or needs. For this reason, any individual should, before acting on this information, consider the appropriateness of the information, having regards to their objectives, financial situation or needs, and, if necessary, seek appropriate professional advice. You can view the CommSec Pocket Terms and Conditions (PDF), Best Execution Statement (PDF) and Financial Services Guide (PDF) and should consider them before making any decision about these products and services. Consider the PDS for each ETF prior to making an investment decision.
Commonwealth Bank of Australia ABN 48 123 123 124. Australian credit licence 234945.
