Smart Access
An everyday bank account, giving you access to unlimited electronic transactions and features to help your spending and bills stay on track. Plus if you meet certain criteria, we'll waive your $4 monthly account fee.
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable The interest rate that applies on overdrawn amounts. This is calculated daily and charged monthly. | 14.9% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Unpaid cheque or debit fee When we dishonour a cheque or debit presented to us because there isn't enough money in your account. We may waive certain fees or charges at our discretion. The failure by us to charge any fee or charge does not constitute a waiver of that fee or charge in the future. | Event | $5.00 |
| Stop payment fee A fee charged when you ask us to stop payment of a cheque. | Event | $15.00 |
| Transaction listing or ad-hoc paper statement fee A fee charged for paper copies of your transaction listing, past statements or ordered statements. | Event | $2.50 |
| Overdraw Fee A fee charged when you exceed the available funds in your account or any agreed overdraft limit on a given day. Additional interest may apply on overdrawn amounts. | Event | $15.00 |
| Account fee Charged monthly · A monthly account fee.
|
Features
- Card access — Debit Mastercard
- Use instore, online and withdraw local currency at millions of locations, everywhere Mastercard is accepted. Choose a Debit Mastercard with your CommBank account and pay for things using your card, smartphone or wearable. You may receive access to other features and benefits associated with your Debit Mastercard subject to eligibility, approval and terms and conditions.
- Additional cards
- We may limit the number of cards that may be issued or linked to a single account or customer profile.
- Bill payment (BPAY) — BPAY View
- See, track and easily pay your bills online in NetBank or on the go in the CommBank app.
- Card access — World Debit Mastercard
- World Debit Mastercard is a premium debit card that can be linked to your CommBank transaction account, and can be used everywhere Mastercard is accepted. Enjoy additional exclusive features and benefits with the World Debit Mastercard, subject eligibility, approval, and terms and conditions. Fees apply.
- Card access — Link to existing card
Eligibility
- Individuals only
- You must have an Australian residential address.
More Information
Published by CommBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 33557e367d324529b38813adfc655b55 · View on CDR.gov.au