CommBank
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.
OverdraftsBank updated 23 Sept 2026
At a glance
- Variable
- 14.90%
- Loan size
- $100 to $2,000
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableIf 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. | — | — | — | 14.90% | — | — |
§ 02 — Fees · 1
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Upfront fee | Upfront | $5 to $20 | — | 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 w… |
§ 03 — Features
Digital banking
- · 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…
- · You'll be charged a fee depending on the amount you ask for. There are no extra charges if you pay back on time.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Available to individuals
- · Amount $100 to $2,000
- · 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.
- · 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.
§ 06 — Run the numbers
Put this product through a calculator
Published by CommBank under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.