CommBank
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.
Savings & transaction accountsBank updated 23 Sept 2026
At a glance
- Monthly fee
- $14
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThe interest rate that applies on overdrawn amounts. This is calculated daily and charged monthly. | — | — | — | 14.90% | — | — |
§ 02 — Fees · 14
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| CBA ATM cash withdrawals in Australia | Event | No fee | — | Free. |
| Overdraw Fee | Event | $15 | — | 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. |
| Stop payment fee | Event | $15 | — | A fee charged when you ask us to stop payment of a cheque. |
| Transaction listing or ad-hoc paper statement fee | Event | $2.50 | — | A fee charged for paper copies of your transaction listing, past statements or ordered statements. |
| Unpaid cheque or debit fee | Event | $5 | — | 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 ch… |
| Account fee | Periodic | $4 | Every 1 mo | A monthly account fee. We won't charge you a monthly account fee. We won't charge you a monthly account fee. We won't charge you a monthly account fee. We won't charge you a monthly account fee. We won't charge you a monthly account fee. We won't charge you a monthly account fee. |
| Monthly card fee | Periodic | $10 | Every 1 mo | A monthly card fee for Debit Mastercard holders with an approved World Debit Mastercard. |
| Paper Statement Fee - Standard Cycle | Periodic | No fee | Every 6 mo | There is no charge for paper statements issued within our standard cycle (six months, or three months if you have a Personal Overdraft). |
| Paper Statement Fee | Periodic | No fee | Every 6 mo | There is no charge for additional paper statements issued outside the standard cycle (six months, or three months if you have a Personal Overdraft). |
| Access fee - Overseas purchases | Purchase | 3.50% of transaction | — | 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. Where your international purchases are made using an eligible World Debit Mastercard, the access fee will be $0. |
| Cheque negotiated fee | Transaction | $3 | — | When you write a cheque that needs to be negotiated through the clearing system. You may qualify for a waiver of cheque negotiated fees if. You may qualify for a waiver of cheque negotiated fees if. |
| Access fee - ASB Bank ATMs in NZ and overseas CommBank ATMs | Withdrawal | $2 | — | When you take money out at ASB ATMs in NZ or CommBank ATMs outside Australia. Where you withdraw cash using an eligible World Debit Mastercard, the access fee will be $0. |
| Access fee - Other overseas cash and ATM withdrawals | Withdrawal | 3.50% of transaction | — | Any other cash withdrawals overseas will incur a $5.00 fee plus 3.5% of the transaction value. Where you withdraw cash using an eligible World Debit Mastercard, the access fee will be $0. |
| Staff assisted withdrawals | Withdrawal | No fee | — | 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. |
§ 03 — Features
Instant paymentsPayIDDigital bankingUnlimited transactionsApple PayCommBank Tap and PayFitbit PayGarmin PayGoogle PaySamsung PayCommBank Yello
- · Securely lock your debit card in the CommBank app when you need to. And unlock it again when you don't.
- · Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.
- · 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.
- · 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.
§ 04 — Eligibility & limits
- · Available to individuals
- · You must have an Australian residential address.
§ 05 — Compare
§ 06 — Run the numbers
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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.