---
title: "CommBank AdvancePay — CommBank"
description: "Overdrafts from CommBank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/commbank/products/822509b55fd24adf8ba74929ec5be822
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-14T22:18:40.000Z
---

# CommBank AdvancePay — CommBank

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

**Overdrafts**

CommBank AdvancePay gives you access to money you expect to be paid, before your next pay day. It's a short term facility applied to your personal everyday account as a temporary limit.

## At a glance

- **From:** 14.9% (Variable)

## Apply

Applications are handled by the provider: [Apply at CommBank](https://www.commbank.com.au/banking/commbank-advancepay.html)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (If your CommBank AdvancePay limit is not fully repaid by your limit expiry date, your account will be considered overdrawn and you’ll be charged the debit excess interest rate.) | 14.9% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Upfront fee — Variable Upfront Fee. There is a single, upfront fee of $5 for every $500 (or part of) you ask for. This fee is charged when your CommBank AdvancePay limit is applied to your account, regardless of whether the temporary limit is accessed or not. Your final limit will be made up of the amount approved and the fee. | Upfront | $5.00 – $20.00 |

## Features

- **Get access to a minimum amount of $100 before your next pay day or regular transaction credit. There's no need to contact or involve your employer.**
- **If eligible, you can apply through NetBank or the CommBank app in just a few minutes. If your application is approved, your limit should be available instantly (usually within seconds but may take up to 1 business day).**
- **You'll be charged a fee depending on the amount you ask for. There are no extra charges if you pay back on time.**
- **Digital banking**

## Eligibility

- **You must have your income or regular transaction credit paid into a CommBank everyday account.**
- **You must be registered for NetBank.**
- **You must have earned enough income / transaction credit at the time of applying to meet our $100 minimum limit.**
- **You must have accessed CommBank AdvancePay less than 8 times in the last 12 months.**
- **Individuals only** (For personal use only.)
- **Applications for Personal Overdrafts are subject to the Bank's normal credit approval.**
- **You can apply for a limit up to 30 days.**
- **You must have a Complete or Smart Access account to apply the CommBank AdvancePay limit.**
- **Minimum age** — 18 years years (You are aged 18 years and above.)

## Constraints

- **Minimum limit** — $100.00
- **Maximum limit** — $2,000.00

## More information from CommBank

- [Overview](https://www.commbank.com.au/banking/commbank-advancepay.html)
- [Terms & conditions](https://www.commbank.com.au/content/dam/commbank-assets/banking/accounts/docs/commbank-advancepay-terms-and-conditions.pdf)
- [Eligibility](https://www.commbank.com.au/banking/commbank-advancepay.html)
- [Fees & pricing](https://www.commbank.com.au/banking/commbank-advancepay.html)

## Data provenance

- Published by CommBank under the Consumer Data Right
- Product ID: `822509b55fd24adf8ba74929ec5be822`
- Last updated by the provider: 14 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/822509b55fd24adf8ba74929ec5be822
- 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/822509b55fd24adf8ba74929ec5be822) — 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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