Fee Free Deposit


Account Keeping Fee


With one of the top rated banking apps in the palm of your hand, keeping up with your money has never been easier.

  • No longer available for new applications, please review the Smart Access account instead
  • Access to over 4,000 ATMs and 1,000 branches
  • Revolutionary mobile app and online banking
  • Linked Debit Mastercard

Product details

With the Complete Access Account from Commonwealth Bank, you can take advantage of fee-free banking at over 4,000 ATMs, as well as overseas. Opt for a linked debit Mastercard and take advantage of CommBank’s award winning NetBank on your PC and your phone.

Important Information

Commonwealth Bank Complete Access account is no longer available for new applications. The information provided and bank account cannot be applied for, however, the information on this page has been kept for the benefit of existing customers and for those who are interested.

If you would like to compare other bank accounts, please go through our comparison page.

Product Name
DISCONTINUED - Commonwealth Bank Complete Access
Monthly Account Fee
Debit Card Access
ATM Withdrawal Fee
Interest Rate p.a.
Deposit at least $2,000 a month (or $1,000 if aged 21 to 24) to get the monthly fee waived.
Joint Application
Fee Free Deposit p.m.
Overseas ATM Withdrawal Fee
Overseas Eftpos Fee
Phone Banking
Internet Banking

What are the features of the Commonwealth Bank Complete Access account?

Commonwealth Bank gives you many features to consider with this transaction account. Compare them to what other Australian financial institutions are offering with their everyday accounts to see which best meets your spending style:

$6 monthly account keeping fee

There is a $6 monthly account keeping fee which is waived each month that you deposit at least $2,000 into the account. Remember to call CommBank directly if you’re still being charged this fee. If you are between the ages of 21 and 24, the fee waiver requirement is $1,000 monthly. For those under 21 or on student options the fee is also waived without a deposit requirement.

Linked Debit Mastercard

You can choose to link your transaction account to a Commonwealth Bank debit Mastercard. This gives you total access to your money at the over 35 million places where Mastercard is accepted around the world. This includes making purchases over the phone and online.

Contactless payments with PayPass

With Mastercard’s PayPass feature, you can make point of sale purchases under $100 without having to swipe your card or sign your receipt.

Security when shopping online

For online purchases you are given a one-time code to enter for greater security.

Free ATM access options

There is no fee for using CommBank or Bankwest ATMs in Australia. If you make a withdrawal outside of this network, you could incur provider charges.

Free transactions

Unlimited free transactions can be made using EFTPOS, NetBank, phone and branch banking in Australia.

No minimum balance

There are no balance requirements, but you must meet the deposit requirements each month to have the monthly fee waived.

Joint accounts available

You are permitted to have one joint account holder.

Direct debits and credits

You can set up to have direct deposits made into the account as well as regularly scheduled debits of your monthly bills.

International withdrawals

For withdrawals made at CommBank ATMs outside of Australia you are charged $2 per transaction. If you use a Cirrus or Mastercard ATM overseas you will be charged $5 each time.

3% international transaction fee

For a transaction which requires the conversion of a foreign currency to the Australian dollar you are charged 3% of the Australian dollar value.

Bank on-the-go with NetBank

NetBank is Commonwealth Bank’s online banking system, giving you up to the minute details on your transactions and balance. It can also be downloaded as an app for your iPhone, android or Windows Phone.

Cardless Cash available

Never be stuck without cash again – you can still withdraw money from your account using the CommBank app on your smartphone.

Access the CommBank app

Download the CommBank app on your eligible smartphone and you can do your banking anywhere, anytime without a computer.

Compare other CommBank products


  • Unlimited branch withdrawals.
  • Monthly account fee is waived if minimum balance per month is reached.


  • There is a regular monthly fee of $6 if $2000 not reached.

How do I apply for the Commonwealth Bank Complete Access Account?

Commonwealth Bank Complete Access account is no longer available for new applications. The information provided and bank account cannot be applied for, however, the information on this page has been kept for the benefit of existing customers and for those who are interested.

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2 Responses

  1. Default Gravatar
    September 2, 2018

    My fiance is in maylasia, he has a heavy tax bill they want the money by the end of month, the bill is over i0thousand australian dollars, will bank letransfer me send that much, also he has an account with you but had a loan for a million dollars can he get a loan, once he pays his tax bill the finance bank will release his funds

    • finder Customer Care
      JoshuaSeptember 4, 2018Staff

      Hi Jennifer,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Generally, if you send more than 10,000AUD, that’s when you have to abide by Australian laws put in place to both protect your money and protect the interests of the government. However, you mentioned that you will only be sending 10,000AUD. Your bank will generally let you do this transfer to Malaysia.

      To avoid the severe penalties that come with a failure to report large sums of money being brought into the country, speak with a professional to guarantee that everything is above board and complies with the laws of all countries involved.

      Moreover, please note that we don’t represent Commonwealth Bank or any company we feature on our site. For this reason, we don’t have access to the account of your fiance. To determine his eligibility to get a loan, it would be a good idea to check the requirements of the bank or you can check this page to explore the different personal loans of Commonwealth Bank. Please get in touch with the bank as well to learn more.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


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