---
title: "Smart Access — CommBank"
description: "Transaction & Savings Accounts from CommBank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/commbank/products/33557e367d324529b38813adfc655b55
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-30T23:00:17.000Z
---

# Smart Access — CommBank

> Transaction & Savings Accounts from CommBank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts**

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.

## Apply

Applications are handled by the provider: [Apply at CommBank](https://www.commbank.com.au/banking/everyday-account-smart-access.html#apply)

## 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. · Discount −$4.00 — We won't charge you a monthly account fee. (eligibility: Maximum age: You're under 30.) · Discount −$4.00 — We won't charge you a monthly account fee. (eligibility: Other: You have a disability that requires you to use a branch (visit a branch to apply).) · Discount −$4.00 — We won't charge you a monthly account fee. (eligibility: Other: You deposit at least $2,000 each calendar month to your account (excludes Bank initiated transactions).) · Discount −$4.00 — We won't charge you a monthly account fee. (eligibility: Other: Your Relationship Balance is $50,000 or more.) · Discount −$4.00 — We won't charge you a monthly account fee. (eligibility: Other: You have a CommBank Home Loan and meet the eligibility criteria (refer to Terms and Conditions for eligibility criteria).) · Discount −$4.00 — We won't charge you a monthly account fee. (eligibility: Pension recipients: An Australian Age, Service or Disability Pension is directly credited to your account.) | Ongoing | $4.00 |
| Paper Statement Fee — Charged every 6 months · There is no charge for additional paper statements issued outside the standard cycle (six months, or three months if you have a Personal Overdraft). | Ongoing | $0.00 |
| Paper Statement Fee - Standard Cycle — Charged every 6 months · There is no charge for paper statements issued within our standard cycle (six months, or three months if you have a Personal Overdraft). | Ongoing | $0.00 |
| Access fee - ASB Bank ATMs in NZ and overseas CommBank ATMs — When you take money out at ASB ATMs in NZ or CommBank ATMs outside Australia. · Discount −$2.00 — Where you withdraw cash using an eligible World Debit Mastercard, the access fee will be $0. (eligibility: Other: Access fee waiver applies only when cash is withdrawn using an eligible World Debit Mastercard.) | Withdrawal | $2.00 |
| Access fee - Other overseas cash and ATM withdrawals — Any other cash withdrawals overseas will incur a $5.00 fee plus 3.5% of the transaction value. · Discount −3.5% of transaction — Where you withdraw cash using an eligible World Debit Mastercard, the access fee will be $0. (eligibility: Other: Access fee waiver applies only when cash is withdrawn using an eligible World Debit Mastercard.) | Withdrawal | 3.5% of transaction |
| Access fee - Overseas purchases — Purchases made overseas or in Australia (e.g. online), where the merchant is located overseas or the financial institution or entity processing transaction is located overseas. · Discount −3.5% of transaction — Where your international purchases are made using an eligible World Debit Mastercard, the access fee will be $0. (eligibility: Other: Where your international purchases are made using an eligible World Debit Mastercard, the access fee will be $0.) | Purchase | 3.5% of transaction |
| Staff assisted withdrawals — There is no charge when you take money out at a CommBank branch, a post office, agency, with telephone banking if using an operator or by cashing a cheque. | Withdrawal | $0.00 |
| CBA ATM cash withdrawals in Australia — Free. | Event | $0.00 |
| Cheque negotiated fee — When you write a cheque that needs to be negotiated through the clearing system. · Discount −$3.00 — You may qualify for a waiver of cheque negotiated fees if. (eligibility: Maximum age: You're under 18, then we won't charge you a cheque negotiated fee.) · Discount −$3.00 — You may qualify for a waiver of cheque negotiated fees if. (eligibility: Other: You have a disability that requires you to use a branch (visit a branch to apply), then we won't charge you a cheque negotiated fee.) | Transaction | $3.00 |
| Monthly card fee — Charged monthly · A monthly card fee for Debit Mastercard holders with an approved World Debit Mastercard. | Ongoing | $10.00 |

## 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
- **Securely lock your debit card in the CommBank app when you need to. And unlock it again when you don't.**
- **Loyalty program** — CommBank Yello (CommBank Yello provides benefits for eligible CommBank customers, subject to terms and conditions.)
- **Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.**
- **Digital banking** (Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.)
- **Digital wallet** — Apple Pay (Pay with your Apple(TM) device using Apple Pay.)
- **Digital wallet** — CommBank Tap and Pay (Pay with your Android(TM) phone using the CommBank app.)
- **Digital wallet** — Fitbit Pay (Pay with your Fitbit (TM) smartwatch using Fitbit Pay. Fitbit Pay is a third-party service and may cease without notice to you.)
- **Digital wallet** — Garmin Pay (Pay with your Garmin(TM) smartwatch using Garmin Pay.)
- **Digital wallet** — Google Pay (Pay with your Android(TM) device using Google Pay.)
- **Digital wallet** — Samsung Pay (Pay with your Samsung(TM) device using Samsung Pay.)
- **PayID** (Get faster payments between participating banks, anytime with a PayID.)
- **Real-time payments (NPP)** (Pay and receive near real-time payments.)
- **We help you stay on track with your debit and credit card spending in the CommBank app.**
- **You are not required to have a card to use this product.**
- **Notifications** — Overdraw notifications (Notifications are available in the CommBank app or via SMS to inform you if your account overdraws. This allows you to bring your account back into credit by midnight Sydney/Melbourne time to avoid fees and interest charges that may apply. You can choose to turn these notifications on or off any time in NetBank or the CommBank app.)
- **Notifications** — Transaction Notifications (Turn Transaction Notifications on in the CommBank app and we'll instantly alert you when you pay using your CommBank debit card, and when you receive money into your everyday account.)
- **Manage payments from your bank account using PayTo.**
- **Use QR Cardless to withdraw cash or deposit notes, coins and cheques (subject to product eligibility) by using the latest version of the CommBank app to scan a QR code at a compatible CommBank ATM.**
- **Unlimited transactions** (Unlimited CommBank electronic transactions.)

## Eligibility

- **Individuals only**
- **You must have an Australian residential address.**

## More information from CommBank

- [Overview](https://www.commbank.com.au/banking/everyday-account-smart-access.html)
- [Terms & conditions](https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf)
- [Eligibility](https://www.commbank.com.au/banking/everyday-account-smart-access.html#who)
- [Fees & pricing](https://www.commbank.com.au/banking/everyday-account-smart-access/rates-fees.html)

## Data provenance

- Published by CommBank under the Consumer Data Right
- Product ID: `33557e367d324529b38813adfc655b55`
- Last updated by the provider: 30 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/33557e367d324529b38813adfc655b55
- Provider page: https://www.cdrcompare.au/brands/commbank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000008

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/commbank/products/33557e367d324529b38813adfc655b55) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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