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.
Category: Overdrafts  Last Updated May 13, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information 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.
Interest Rate
14.90% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Other Additional Information: 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.
  • Other Additional Information: 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).
  • Other Additional Information: 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

 Product Eligibility

  • Other - Income / Transaction Credit Account. Additional Information: You must have your income or regular transaction credit paid into a CommBank everyday account.
  • Other - Digital Access. Additional Information: You must be registered for NetBank.
  • Other - Earned Income / Transaction Credit. Additional Information: You must have earned enough income / transaction credit at the time of applying to meet our $100 minimum limit.
  • Other - Annual Uses. Additional Information: You must have accessed CommBank AdvancePay less than 8 times in the last 12 months.
  • Natural Person - Personal Use. Additional Information: For personal use only.
  • Other - Credit Approval. Additional Information: Applications are subject to the Banks normal credit approvals
  • Other - Limit Term. Additional Information: You can apply for a limit up to 30 days.
  • Other - Cap Limit Account. Additional Information: You must have a Complete or Smart Access account to apply the CommBank AdvancePay limit.
  • Min Age - 18 Years. Additional Information: You are aged 18 years and above.

 Bank Fees and Charges

  • Upfront Fee (Variable), Amount: Not Listed.. Additional Information: 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.

 Limitations & Restrictions (Constraints)

  • Min Limit of 100.00
  • Max Limit of 2000.00

 Document Downloads