CommBank Smart Access
Fee can be waived
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.
- Overseas spending fee
- 3.5%
- Overseas ATM fee
- $2
- Digital wallets
- Apple, Google, Samsung
Monthly fee
How to avoid the monthly fee
We won't charge you a monthly account fee.
Features
- Debit card
- Yes
- Apple, Google or Samsung Pay
- Apple Pay, Google Pay, Samsung Pay
- PayID
- Yes
- Overdraft available
- Not listed
Who can open it
- Age to open
- Any
Who it's for
- You must have an Australian residential address.
How it compares
Against the other everyday accounts we compare. Typical means the middle half of them.
Monthly fee
$14
Most accounts that say charge none.
Overseas spending fee
3.5%
Of what you spend in another currency. Typical is 3%.
Overseas ATM fee
$2
Each time you take cash out overseas. Typical is $5.
Pros and cons
Pros
- PayID. People can pay you with your phone number or email instead of a BSB and account number.
- Phone payments. Works with Apple Pay, Google Pay and Samsung Pay, so you can pay with your phone or watch.
Cons
- A monthly fee. $14, above the typical None. You can avoid it if you meet the conditions, such as a minimum deposit each month.
- An overseas spending fee. 3.5% of what you spend in another currency, so $1,000 overseas costs about $35 extra.
Similar accounts
Everyday accounts from other banks with similar fees.
- Monthly fee
- $10
- Overseas spending fee
- 3.5%
- Monthly fee
- $10
- Overseas spending fee
- None
- Monthly fee
- $6
- Overseas spending fee
- 3.65%
