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CBA / Transaction & savings
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.
Updated 9 Sept 2026Individually tailored product
No deposit rates were provided.
- Lending rate type
- Variable
- Rate
- 14.9%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Interest payment due
- In arrears
- Repayment type
- Unconstrained
- Loan purpose
- Other
- Additional info
- The interest rate that applies on overdrawn amounts. This is calculated daily and charged monthly.
- Additional info uri
- View bank information ↗
- Name
- Unpaid cheque or debit fee
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $5.00
- Currency
- Aud
- Additional info
- 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.
- Additional info uri
- View bank information ↗
- Name
- Stop payment fee
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $15.00
- Currency
- Aud
- Additional info
- A fee charged when you ask us to stop payment of a cheque.
- Additional info uri
- View bank information ↗
- Name
- Transaction listing or ad-hoc paper statement fee
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $2.50
- Currency
- Aud
- Additional info
- A fee charged for paper copies of your transaction listing, past statements or ordered statements.
- Additional info uri
- View bank information ↗
- Name
- Overdraw Fee
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $15.00
- Currency
- Aud
- Additional info
- 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.
- Additional info uri
- View bank information ↗
- Name
- Account fee
- Fee type
- Periodic
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $4.00
- Currency
- Aud
- Discounts
- Description
- We won't charge you a monthly account fee.
- Discount type
- Eligibility only
- Discount method utype
- fixedAmount
- Fixed amount
- Amount
- $4.00
- Eligibility
- Discount eligibility type
- Max age
- Additional value
- 30
- Additional info
- You're under 30.
- Additional info uri
- View bank information ↗
- Description
- We won't charge you a monthly account fee.
- Discount type
- Eligibility only
- Discount method utype
- fixedAmount
- Fixed amount
- Amount
- $4.00
- Eligibility
- Discount eligibility type
- Other
- Additional info
- You have a disability that requires you to use a branch (visit a branch to apply).
- Additional info uri
- View bank information ↗
- Description
- We won't charge you a monthly account fee.
- Discount type
- Eligibility only
- Discount method utype
- fixedAmount
- Fixed amount
- Amount
- $4.00
- Eligibility
- Discount eligibility type
- Other
- Additional info
- You deposit at least $2,000 each calendar month to your account (excludes Bank initiated transactions).
- Additional info uri
- View bank information ↗
- Description
- We won't charge you a monthly account fee.
- Discount type
- Eligibility only
- Discount method utype
- fixedAmount
- Fixed amount
- Amount
- $4.00
- Eligibility
- Discount eligibility type
- Other
- Additional info
- Your Relationship Balance is $50,000 or more.
- Additional info uri
- View bank information ↗
- Additional info uri
- View bank information ↗
- Description
- We won't charge you a monthly account fee.
- Discount type
- Eligibility only
- Discount method utype
- fixedAmount
- Fixed amount
- Amount
- $4.00
- Eligibility
- Discount eligibility type
- Other
- Additional info
- You have a CommBank Home Loan and meet the eligibility criteria (refer to Terms and Conditions for eligibility criteria).
- Additional info uri
- View bank information ↗
- Additional info uri
- View bank information ↗
- Description
- We won't charge you a monthly account fee.
- Discount type
- Eligibility only
- Discount method utype
- fixedAmount
- Fixed amount
- Amount
- $4.00
- Eligibility
- Discount eligibility type
- Pension recipient
- Additional value
- Australian Age, Service or Disability Pension
- Additional info
- An Australian Age, Service or Disability Pension is directly credited to your account.
- Additional info uri
- View bank information ↗
- Additional value
- 1 month
- Additional info
- A monthly account fee.
- Additional info uri
- View bank information ↗
- Name
- Paper Statement Fee
- Fee type
- Periodic
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Currency
- Aud
- Additional value
- 6 months
- Additional info
- There is no charge for additional paper statements issued outside the standard cycle (six months, or three months if you have a Personal Overdraft).
- Name
- Paper Statement Fee - Standard Cycle
- Fee type
- Periodic
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Currency
- Aud
- Additional value
- 6 months
- Additional info
- There is no charge for paper statements issued within our standard cycle (six months, or three months if you have a Personal Overdraft).
- Name
- Access fee - ASB Bank ATMs in NZ and overseas CommBank ATMs
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $2.00
- Currency
- Aud
- Discounts
- Description
- Where you withdraw cash using an eligible World Debit Mastercard, the access fee will be $0.
- Discount type
- Eligibility only
- Discount method utype
- fixedAmount
- Fixed amount
- Amount
- $2.00
- Eligibility
- Discount eligibility type
- Other
- Additional info
- Access fee waiver applies only when cash is withdrawn using an eligible World Debit Mastercard.
- Additional info uri
- View bank information ↗
- Additional info
- When you take money out at ASB ATMs in NZ or CommBank ATMs outside Australia.
- Name
- Access fee - Other overseas cash and ATM withdrawals
- Fee type
- Withdrawal
- Fee method utype
- rateBased
- Rate based
- Rate type
- Transaction
- Rate
- 3.5%
- Amount range
- Fee minimum
- 5.00
- Currency
- Aud
- Discounts
- Description
- Where you withdraw cash using an eligible World Debit Mastercard, the access fee will be $0.
- Discount type
- Eligibility only
- Discount method utype
- rateBased
- Rate based
- Rate type
- Transaction
- Rate
- 3.5%
- Amount range
- Discount minimum
- 5.00
- Eligibility
- Discount eligibility type
- Other
- Additional info
- Access fee waiver applies only when cash is withdrawn using an eligible World Debit Mastercard.
- Additional info uri
- View bank information ↗
- Additional info
- Any other cash withdrawals overseas will incur a $5.00 fee plus 3.5% of the transaction value.
- Additional info uri
- View bank information ↗
- Name
- Access fee - Overseas purchases
- Fee type
- Purchase
- Fee method utype
- rateBased
- Rate based
- Rate type
- Transaction
- Rate
- 3.5%
- Currency
- Aud
- Discounts
- Description
- Where your international purchases are made using an eligible World Debit Mastercard, the access fee will be $0.
- Discount type
- Eligibility only
- Discount method utype
- rateBased
- Rate based
- Rate type
- Transaction
- Rate
- 3.5%
- Eligibility
- Discount eligibility type
- Other
- Additional info
- Where your international purchases are made using an eligible World Debit Mastercard, the access fee will be $0.
- Additional info uri
- View bank information ↗
- Additional info
- 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.
- Name
- Staff assisted withdrawals
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Currency
- Aud
- Additional info
- 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.
- Additional info uri
- View bank information ↗
- Name
- CBA ATM cash withdrawals in Australia
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Currency
- Aud
- Additional info
- Free.
- Name
- Cheque negotiated fee
- Fee type
- Transaction
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $3.00
- Currency
- Aud
- Discounts
- Description
- You may qualify for a waiver of cheque negotiated fees if.
- Discount type
- Eligibility only
- Discount method utype
- fixedAmount
- Fixed amount
- Amount
- $3.00
- Eligibility
- Discount eligibility type
- Max age
- Additional value
- 18
- Additional info
- You're under 18, then we won't charge you a cheque negotiated fee.
- Additional info uri
- View bank information ↗
- Description
- You may qualify for a waiver of cheque negotiated fees if.
- Discount type
- Eligibility only
- Discount method utype
- fixedAmount
- Fixed amount
- Amount
- $3.00
- Eligibility
- Discount eligibility type
- Other
- Additional info
- 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.
- Additional info uri
- View bank information ↗
- Additional info
- When you write a cheque that needs to be negotiated through the clearing system.
- Name
- Monthly card fee
- Fee type
- Periodic
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $10.00
- Currency
- Aud
- Additional value
- 1 month
- Additional info
- A monthly card fee for Debit Mastercard holders with an approved World Debit Mastercard.
- Additional info uri
- View bank information ↗
- Feature type
- Card access
- Additional value
- Debit Mastercard
- Additional info
- 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 info uri
- View bank information ↗
- Feature type
- Additional cards
- Additional info
- We may limit the number of cards that may be issued or linked to a single account or customer profile.
- Feature type
- Bill payment
- Additional value
- BPAY View
- Additional info
- See, track and easily pay your bills online in NetBank or on the go in the CommBank app.
- Additional info uri
- View bank information ↗
- Feature type
- Card access
- Additional value
- World Debit Mastercard
- Additional info
- 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.
- Additional info uri
- View bank information ↗
- Feature type
- Card access
- Additional value
- Link to existing card
- Feature type
- Other
- Additional info
- Securely lock your debit card in the CommBank app when you need to. And unlock it again when you don't.
- Additional info uri
- View bank information ↗
- Feature type
- Loyalty program
- Additional value
- CommBank Yello
- Additional info
- CommBank Yello provides benefits for eligible CommBank customers, subject to terms and conditions.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.
- Additional info uri
- View bank information ↗
- Feature type
- Digital banking
- Additional info
- 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.
- Additional info uri
- View bank information ↗
- Feature type
- Digital wallet
- Additional value
- Apple Pay
- Additional info
- Pay with your Apple(TM) device using Apple Pay.
- Additional info uri
- View bank information ↗
- Feature type
- Digital wallet
- Additional value
- CommBank Tap and Pay
- Additional info
- Pay with your Android(TM) phone using the CommBank app.
- Additional info uri
- View bank information ↗
- Feature type
- Digital wallet
- Additional value
- Fitbit Pay
- Additional info
- Pay with your Fitbit (TM) smartwatch using Fitbit Pay. Fitbit Pay is a third-party service and may cease without notice to you.
- Additional info uri
- View bank information ↗
- Feature type
- Digital wallet
- Additional value
- Garmin Pay
- Additional info
- Pay with your Garmin(TM) smartwatch using Garmin Pay.
- Additional info uri
- View bank information ↗
- Feature type
- Digital wallet
- Additional value
- Google Pay
- Additional info
- Pay with your Android(TM) device using Google Pay.
- Additional info uri
- View bank information ↗
- Feature type
- Digital wallet
- Additional value
- Samsung Pay
- Additional info
- Pay with your Samsung(TM) device using Samsung Pay.
- Additional info uri
- View bank information ↗
- Feature type
- Npp payid
- Additional info
- Get faster payments between participating banks, anytime with a PayID.
- Additional info uri
- View bank information ↗
- Feature type
- Npp enabled
- Additional info
- Pay and receive near real-time payments.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- We help you stay on track with your debit and credit card spending in the CommBank app.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- You are not required to have a card to use this product.
- Feature type
- Notifications
- Additional value
- Overdraw notifications
- Additional info
- 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.
- Feature type
- Notifications
- Additional value
- Transaction Notifications
- Additional info
- 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.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Manage payments from your bank account using PayTo.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- 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.
- Additional info uri
- View bank information ↗
- Feature type
- Unlimited txns
- Additional info
- Unlimited CommBank electronic transactions.
- Additional info uri
- View bank information ↗
- Eligibility type
- Natural person
- Eligibility type
- Other
- Additional info
- You must have an Australian residential address.
No limits & conditions were provided.
No bundles were provided.