In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask an expert
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Commonwealth Bank Streamline Basic

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Commonwealth Bank Streamline Basic
Account keeping fee
ATM withdrawal fee
Overseas ATM withdrawal fee
Overseas transaction fee of transaction value

Our verdict

Get your pension paid to the Streamline Basic and pay no account or transaction fees.

This transaction account is available to customers with a valid seniors card, healthcare card or pensioner concession card. The account charges no monthly account keeping fees and customers have no minimum balance to maintain or monthly deposit condition to meet.

This account also offers easy access to your money in a number of ways, including via the linked Debit MAstercard, Internet and mobile banking and you can also make unlimited free transactions in a CommBank branch with the assistance from bank staff. This could be helpful if you often receive assistance to deposit cash or cheques or make withdrawals from the account.

If you’re not eligible for this account, you can take a look at the CommBank Smart Access Account instead.


  • No monthly account fee
  • Access to over 4,000 ATMs and 1,000 branches
  • Access to NetBank


  • Strict eligibility criteria

In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask an expert

The Commonwealth Bank waives monthly account keeping fees and transaction fees when you get your pension paid directly into the Streamline Basic Account. If you’re a pensioner, this account can simplify your everyday banking giving you unlimited free online and staff-assisted branch withdrawals.


Key details

Product Name Commonwealth Bank Streamline Basic
Monthly account fee $0
Card access Mastercard
Own network ATM fee $0
International ATM Fee $5 + 3%
International transaction fee 3%
Monthly deposit required to waive account fee N/A
Contactless Payments Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay


Minimum Age 18
Joint account availability No
Minimum opening deposit N/A

Key features

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No application fee, monthly account keeping fees and no fees if you overdraw your account. International transaction fees such as currency conversion fees and international ATM fees apply when you use the Mastercard Debit Card to make a purchase outside of Australia.

Visa Debit Card or Keycard

Choose between a Commonwealth Bank Keycard or a Commonwealth Bank Debit Mastercard. Use the Keycard to make free EFTPOS purchases at shops and free ATM withdrawals at over 4,000 Commonwealth Bank and Bankwest ATMs. The Debit Mastercard lets you do this too, as well as make online and over the phone purchases in Australia and overseas wherever Mastercard is accepted.

How to apply

This account must be opened in person. You need to provide a valid Commonwealth of Australia concession card to the Commonwealth Bank to apply for this account.


The following eligibility criteria apply:

  • Age. You must qualify for the Australian aged pension to apply for the Commonwealth Bank Streamline Basic.
  • Pension holders. You must supply a Department of Human Services (DHS) concession card to the Commonwealth Bank to apply for this everyday bank account. Eligible concession cards include the Senior's Health Card, Pensioner Concession Card or the Health Care Card.

Your reviews

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September 15, 2023

Can a concession card holder have two streamline basic accounts with the same bank concurrently ?


Alison Banney Finder

September 21, 2023

Hi Barry, please get in touch with CBA directly to discuss your application and request for multiple accounts in the same name.



September 06, 2023

I was once taken to court for [hidden by Finder] but I was not convicted because I was innocent will that in my background will that stop me from getting a bank account with the commonwealth bank


Alison Banney Finder

September 08, 2023

Hi Christine, you will need to speak to Commonwealth Bank directly regarding your application.



October 26, 2021

Hello, is the payment option/s OSKO and PayID available with a Commonwealth Bank Streamline basic account ?

Thank you


Alison Banney Finder

November 03, 2021

Hi Steve,

Yes, CommBank Streamline basic account is eligible for PayID registration. While it’s unclear if Osko is also available for this account, the service is available within the CommBank App, NetBank and CommBiz. To confirm if it can be used for this account type, we suggest that you check with Commbank directly.



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April 03, 2017

Is the Complete Access Account a Streamline Account?


Anndy Lou Finder

April 04, 2017

Hi Shirley,

Thanks for your question.

The Commonwealth Bank Complete Access is a transaction account but it is no longer available for new applications.

If in case you’re exploring other options, please check the pensioner accounts featured on our website.



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