Commonwealth Bank Complete Access

Commonwealth Bank Complete Access

Fee Free Deposit


Account Keeping Fee


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

  • 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
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 every day accounts to see which best meets your spending style:

  • Monthly account keeping fees. 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.
  • 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 millions where MasterCard is accepted around the world. This includes making purchases over the phone and online.
  • 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. For online purchases you are given a one-time code to enter for greater security.
  • ATM access. 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.
  • Other access. Unlimited free transactions can be made using EFTPOS, NetBank, phone and branch banking.
  • Minimum balance. There are no balance requirements, but you must meet the deposit requirements each month to have the monthly fee waived.
  • Joint accounts. 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.
  • International transaction fees. For a transaction which requires the conversion of a foreign currency to the Australian dollar you are charged 3% of the Australian dollar value.
  • 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.
  • Availability. This account is meant for individual personal use only.
  • Cardless Cash. Never be stuck without cash again – you can still withdraw money from your account using the CommBank app on your smartphone.
  • CommBank app. Download the CommBank app on your eligible smartphone and you can do your banking anywhere, anytime without a computer.


  • 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?

You can apply for the Complete Access Account online if you have found that the features fit in with your lifestyle. You can visit Commonwealth Bank website to access the online application, check to see if you are able to meet the eligibility requirements:

  • Minimum age. Applicants for this account must be at least 16 years of age.
  • Residency requirements. You need to have an Australian residential address to apply for this account. If recently arrived to Australia or planning a move soon, visit Commonwealth Bank’s Moving to Australia section.
  • Depository requirements. Commonwealth Bank does not state any minimum deposit requirement to activate the account.

To help facilitate filling in your application, it would be helpful to have the following documentation readily available:

  • Tax file number. You are not required to provide your tax file number (TFN) but if you don’t, the bank is obligated to withhold taxes on any interest earnings at the highest marginal rate.
  • Identification. If you are new to CommBank, they will need to verify your identity online by using your passport information or driver’s licence. If this is not possible, you will be asked to visit a branch before the application can be processed.

If you are already using NetBank, your new account will be opened as soon as you complete the application. For new customers, you will need to wait until your identity has been verified. Once it is activated, your debit MasterCard will be sent to you via Australian post to the address you provided.

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