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Everyday Account
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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.
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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.
To eligible for the Welcome Cashback offer, you must, during the offer period (16 January 2026 to 31 March 2026):
Offer is only available to new customers, single account holders, and on their first Everyday account. You must be aged 18 years old or above at the time of account opening.
To be eligible for the cashback, you must not have held a CommBank Credit Mastercard, or CommBank Debit Mastercard, CommBank Business Credit Mastercard or CommBank StepPay digital card at any time after 31 December 2019, to be eligible for the cashback.
Excludes joint account holders and Everyday Offset accounts.
You will need to activate the cashback offers in CommBank Yello through the CommBank App, and spend at least $10 in one transaction at each selected merchant using your CommBank Debit Mastercard to receive $10 cashback per merchant. Limit of one offer redemption per merchant, per customer.
Selected merchants are: Chatime, Chemist Warehouse, Cotton On, JB Hi Fi, Uber [Rides only].
Transactions must be settled (not pending) by the end of the offer period to be eligible.
Offer Terms and Conditions & exclusions may apply, for full offer terms and conditions refer to the merchant offer in the CommBank App. This offer is not available in conjunction with any other offers, promotions or discounts offered by the selected merchants.
The total maximum cashback you can receive is $50 (AUD), with a limit of $10 (AUD) cashback per selected merchant.
Cashback is limited to one redemption per merchant, per customer.
Your cashback will typically be credited to your active Everyday Smart Access Account within 14 business days of a qualifying purchase, but in some cases may take longer.
A transaction on your Everyday Smart Access Account will appear as ‘CommBank Yello Cashback Offers’ in the CommBank App and ‘CBCASHBACK’ in Netbank.
To participate in the CommBank Yello program, you must meet the eligibility criteria for the CommBank Yello program. Ongoing eligibility conditions apply to CommBank Yello, see commbank.com.au/commbankyello for more information and the full terms and conditions, including the eligibility criteria. Please note that this cashback offer does not qualify you for the CommBank Yello program. You must meet the eligibility criteria for the CommBank Yello program in order to participate in the program.
+Welcome Cashback Offer Terms and Conditions
CommBank Everyday Account Smart Access: Cashback Promotion
Eligibility Conditions
To be eligible for the Welcome Cashback offer, you must open a new CommBank Everyday Smart Access Account online or in a branch between 15 January 2026 (12:01am, AEST) and 31 March 2026 (11:59pm AEST) (‘the offer period’). The Welcome Cashback offer can only be claimed once per customer, during the offer period.
This offer is for customers aged 18 years and above at the time of account opening and who have never held a CommBank Everyday Smart Access Account previously. Single accounts only. Excludes joint and Everyday Offset accounts.
You must not have held a CommBank Credit Mastercard, or CommBank Debit Mastercard, CommBank Business Credit Mastercard or CommBank StepPay digital card at any time after 31 December 2019, to be eligible for the cashback.
How to Qualify for the Cashback
Eligible customers will be able to access the below offers from 16 January 2026 to 31 March 2026 (AEST), by logging into the latest version of the CommBank App, clicking the ‘CBA Yello’ tile, activating the offer and making a purchase in accordance with the Terms and Conditions of that offer. The offer does not qualify you for the CommBank Yello program. You must meet the eligibility criteria for the CommBank Yello program, in order to be eligible for the CommBank Yello program. Ongoing eligibility conditions apply to CommBank Yello, see commbank.com.au/commbankyello for more information and the full terms and conditions.
Below are the selected merchants:
You need to spend a minimum of $10 in one transaction at a selected merchant using your CommBank Debit Mastercard, to be eligible to receive $10 cashback from that merchant. Limit of one offer redemption per merchant, per customer. Offer Terms and Conditions & exclusions may apply, for full offer terms and conditions refer to the merchant offer in the CommBank App. This offer is not available in conjunction with any other offers, promotions or discounts offered by the selected merchants.
Cashback will be paid into your CommBank Everyday Smart Access account. Your Everyday Smart Access account must remain open and active in order to be eligible for the cashback.
Getting Your Cashback
Cashback will be paid to you after you activate (where required) the offer presented to you in the CommBank app and you make a purchase in accordance with the Terms and Conditions of that offer.
Cashback is typically received within 14 business days of a qualifying purchase, but in some cases may take longer. Cashback payment will appear as <CommBank Yello Cashback Offers> in the CommBank App and <CBCASHBACK> in Netbank.
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 and partners reserve the right to change, end, or extend this offer at any time as permitted by law.
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.
