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.
Category: Transaction & Savings Accounts  Last Updated June 3, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information The interest rate that applies on overdrawn amounts. This is calculated daily and charged monthly.
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

  • Card Access Additional Information: 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 Cards Additional Information: We may limit the number of cards that may be issued or linked to a single account or customer profile.
  • Bill Payment Additional Information: See, track and easily pay your bills online in NetBank or on the go in the CommBank app.
  • Card Access Additional Information: 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.
  • Card Access
  • Other Additional Information: Securely lock your debit card in the CommBank app when you need to. And unlock it again when you don't.
  • Loyalty Program Additional Information: CommBank Yello provides benefits for eligible CommBank customers, subject to terms and conditions.
  • Other Additional Information: Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.
  • Digital Banking Additional Information: 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.
  • Digital Wallet Additional Information: Pay with your Apple(TM) device using Apple Pay.
  • Digital Wallet Additional Information: Pay with your Android(TM) phone using the CommBank app.
  • Digital Wallet Additional Information: Pay with your Fitbit (TM) smartwatch using Fitbit Pay. Fitbit Pay is a third-party service and may cease without notice to you.
  • Digital Wallet Additional Information: Pay with your Garmin(TM) smartwatch using Garmin Pay.
  • Digital Wallet Additional Information: Pay with your Android(TM) device using Google Pay.
  • Digital Wallet Additional Information: Pay with your Samsung(TM) device using Samsung Pay.
  • Npp Payid Additional Information: Get faster payments between participating banks, anytime with a PayID.
  • Npp Enabled Additional Information: Pay and receive near real-time payments.
  • Other Additional Information: We help you stay on track with your debit and credit card spending in the CommBank app.
  • Other Additional Information: You are not required to have a card to use this product.
  • Notifications Additional Information: 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.
  • Notifications Additional Information: 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.
  • Other Additional Information: Manage payments from your bank account using PayTo.
  • Other Additional Information: 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.
  • Unlimited Txns Additional Information: Unlimited CommBank electronic transactions.

 Product Eligibility

  • Natural Person
  • Other Additional Information: You must have an Australian residential address.

 Bank Fees and Charges

  • Unpaid Cheque Or Debit Fee (Event), Amount: 5.00. Additional Information: When we dishonour a cheque or debit presented to us because there isn't enough money in your account.
  • Stop Payment Fee (Event), Amount: 15.00. Additional Information: A fee charged when you ask us to stop payment of a cheque.
  • Transaction Listing Or Ad-hoc Paper Statement Fee (Event), Amount: 2.50. Additional Information: A fee charged for paper copies of your transaction listing, past statements or ordered statements.
  • Overdraw Fee (Event), Amount: 15.00. Additional Information: 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.
  • Account Fee (Periodic), Amount: 4.00. Additional Information: A monthly account fee.
  • Paper Statement Fee (Periodic), Amount: 0.00. Additional Information: There is no charge for additional paper statements issued outside the standard cycle (six months, or three months if you have a Personal Overdraft).
  • Paper Statement Fee - Standard Cycle (Periodic), Amount: 0.00. Additional Information: There is no charge for paper statements issued within our standard cycle (six months, or three months if you have a Personal Overdraft).
  • Access Fee - Overseas Atms (Withdrawal), Amount: 2.00. Additional Information: When you take money out at ASB ATMs in NZ or CommBank ATMs outside Australia.
  • Access Fee - Overseas Cash Withdrawals (Withdrawal), Amount: Not Listed.. Additional Information: Any other cash withdrawals overseas will incur a $5.00 fee plus 3.5% of the transaction value.
  • Access Fee - Overseas Cash Withdrawals (Withdrawal), Amount: 5.00. Additional Information: Any other cash withdrawals overseas will incur a $5.00 fee plus 3.5% of the transaction value.
  • Access Fee - Overseas Purchases (Purchase), Amount: Not Listed.. Additional Information: 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.
  • Staff Assisted Withdrawals (Withdrawal), Amount: 0.00. Additional Information: 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.
  • Cba Atm Cash Withdrawals In Australia (Event), Amount: 0.00. Additional Information: Free.
  • Cheque Negotiated Fee (Transaction), Amount: 3.00. Additional Information: When you write a cheque that needs to be negotiated through the clearing system.
  • Monthly Card Fee (Event), Amount: 10.00. Additional Information: A monthly card fee for Debit Mastercard holders with an approved World Debit Mastercard.

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