Commonwealth Bank
Commonwealth Bank

Smart Access

Variable Rate
0.00% p.a.

  • Smart Access offers customers unlimited Commonwealth Bank electronic transactions using internet banking, self service phone banking, ATMs and EFTPOS.

Key Features
No Account
Keeping Fee
Linked Account

Account Details

Account Type Trans
Min. Opening Amount $0.00
Min. Balance $0.00
Monthly Account Fee $4.00
Interest Calculation Frequency Daily
Interest Payment Frequency Quarterly
Interest Paid In Steps?


ATM Withdrawal Fee $0.00
ATM Balance Fee $0.00
ATM Balance Fee $0.00
Daily ATM Withdrawal Limit $2,000.00
EFTPOS Fee $0.00
Debit Card Replacement Fee $0.00

Fee Details

Service Fee Frequency Monthly
Fee Rebate Available
Balance Required for Fee-Free $50,000.00


Any customer who meets the following criteria will be exempt from Monthly Account Fees and withdrawal fees (Over the counter and Cheque fee): Relationship Balance of $50,000, Australian War Veteran or aged pension recipient, disabled customers, under 21 years, wealth package customers, full-time and part time tertiary students as well as apprentices. Customers depositing at least $2000 per month (or $1000 per month for customers 21 to 24 years of age) will be exempt from the monthly account fee. The overseas ATM withdrawal fee at a CBA ATM (outside of Australia) and ASB ATM (in New Zealand) is $2 per withdrawal.

Internet & Phone Fees

Phone Transaction Fee $0.00
Internet Transaction Fee $0.00
Free Electronic Trans. per Month Unlimited

Counter & Cheque Fees

Counter Deposit Fee $0.00
Counter Withdrawal Fee $2.00
Free Counter Trans. Per Month 0
Cheque Fee $1.00
Cheque Dishonour Fee $5.00
Debit Item Dishonour Fee $5.00

Overseas Access

Overseas ATM Facilities Cirrus,Maestro,VisaPlus
Overseas ATM Balance Fee $0.00
Overseas ATM Withdrawal Fee $5.00
Overseas EFTPOS Fee $0.00
OS Emergency Card Replacement $0.00
Overdrawn Account Fee $10.00
Foreign Transaction Fee 3%