CommBank AdvancePay
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.
- From
- 14.9%
- Variable
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 onlyFor 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 yearsYou are aged 18 years and above.
Constraints
- Minimum limit — $100.00
- Maximum limit — $2,000.00
More Information
Published by CommBank under the Consumer Data Right · Last updated 13 May 2026 · Product ID 822509b55fd24adf8ba74929ec5be822 · View on CDR.gov.au