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Commonwealth Bank is Australia's largest bank, with a history dating back to 1911. As one of the "Big Four" banks, it serves over 17 million customers and offers a wide range of banking services including everyday accounts, home loans, credit cards, and investment products.
Users can access services through the CommBank app with access to advanced features like Bill Sense, Spend Tracker, and Cash Flow View. Alongside its growth in digital platforms, CommBank also maintains an extensive network of branches and ATMs across Australia.
CommBank’s bank accounts are versatile, offering digital payment options, spend tracking, transaction notifications, security features and more.
No monthly account fee when depositing $2,000+ monthly or for under 30s
Advanced digital banking tools through the CommBank app
Cashback rewards on purchases with partner brands
Comprehensive security features including card lock/unlock
$4 monthly fee if eligibility criteria not met
$15 overdraw fee may apply
The CommBank Smart Access account gives customers access to digital banking features. The account truly shines through its integration with the CommBank app, offering sophisticated money management tools like Bill Sense for predicting future bills and Spend Tracker for categorising expenses.
While there is a $4 monthly fee, it's easily waived for under-30s or those depositing $2,000+ monthly, making it a good option for regular income earners and younger Australians.
The Smart Access account comes with physical and digital Debit card options, supporting all major digital wallets including Apple Pay, Google Pay, and Samsung Pay.
This account also comes with the addition of CommBank Yello benefits. Customers can get discounts, cashback and exclusive offers when they make more than five eligible monthly transactions from their Smart Access account.
Your selected bank accounts
i find commonwealth bank to be incredibly reliable. i have no issues with my card and my internet banking , it is easy to use the app online and the costumes service tends to be timely and user friendly. I have had them resolve issues or disputes before easily and found it useful that i could use my card and apple pay when travelling overseas. i would recommend common wealth bank to my friends and family.
Best as the service is remarkable friendly and helpful in all ways u guys have helped me so many times when I needed thank you
I've been with commonwealth for years and have never had any issues.
I have been with the Commonwealth Bank for sometime and have been satisfied with their services up until the last 18 months. Their bank branches are closing locally and the remaining one has limited opening hours which makes it difficult to resolve issues when you work and study full time. They have also removed most of their ATMs locally which puts additional cost pressures if you need to withdraw cash and are charged by non Commonwealth bank organisations.
Reliable and have good values
I like it because it was the first bank I ever went to but no not to sure as prices have gone up the only positive is they still have cash as an option but other than that I wouldn’t trust them they make billions in profit yet people are struggling with cost of living
Average performance
Anytime I’ve experienced having to speak to customer service, the people have been so informative and friendly.
i like it cause its so common so i can go literally anywhere to deposit or withdraw. also the most common amongst my friends and familt
The CBA has been my bank for many years. I have held many accounts with it, and I have enjoyed my association with the bank. As with most banking institutions the dependence upon internet banking can be a bit off-putting if you aren't that computer literate, but they do have an excellent customer service to assist their customers in this regard.
To open a Smart Access Account, you must be at least 14 years old (18+ for joint accounts), have an Australian residential address, and open the account in your name.
The $4 monthly fee is waived if you:
or
CommBank offers fee-free withdrawals at its own ATMs and many other major bank ATMs across Australia.
The account includes real-time transaction notifications, card lock/unlock features, and protection against unauthorised transactions when you follow the recommended security steps.
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