Help & support
StepPay is our digital only buy now, pay later product that you can add to your CommBank app or a digital wallet on your smart device. You can use StepPay to pay everywhere in-store and online, up to your credit limit - without a physical card. You can enjoy:
Late payment fees will apply, but fees are capped. Fees and charges may apply to your linked CommBank account.
Enjoy StepPay in a few easy steps
When you first set up a StepPay account, you’ll choose a limit that suits your needs. You can manage your spend limit at any time in the CommBank app, and can move your limit up or down, subject to eligibility. We may reduce your spend limit*, and we’ll notify you if we do. To manage your short-term budgeting needs, you can also apply a temporary spending cap.
StepPay is our digital only buy now, pay later product that you can add to your CommBank app or a digital wallet on your smart device. You can use StepPay to pay everywhere in-store and online, up to your credit limit - without a physical card. You can enjoy:
Late payment fees will apply, but fees are capped. Fees and charges may apply to your linked CommBank account.
Enjoy StepPay in a few easy steps
When you first set up a StepPay account, you’ll choose a limit that suits your needs. You can manage your spend limit at any time in the CommBank app, and can move your limit up or down, subject to eligibility. We may reduce your spend limit*, and we’ll notify you if we do. To manage your short-term budgeting needs, you can also apply a temporary spending cap.
Make purchases everywhere, in-store and online.
Split larger purchases into four repayments to manage your everyday expenses.
You can access StepPay alongside your existing accounts in the CommBank app so you can manage your finances more easily in one place.
If you’re eligible, you can enjoy it subject to our credit assessments and limits up to $2,000.
You can move your spend limit up or down, or choose to turn on a temporary spending cap to help you take control of your spending. Moving your spend limit up is subject to eligibility.
Things you should know
The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Financial Services Guide (PDF). Applications are subject to credit approval. Full Terms and Conditions will be included at point of application. Bank fees and charges may apply.
How StepPay affects your credit score
Your StepPay application includes initial checks with credit bureaus.
3 ways StepPay can help you stay on top of your budget
You can make sure your spending fits your lifestyle.
How StepPay can help balance your expenses
It can help you balance everything from everyday to unexpected expenses.
Change the way you pay
How buy now, pay later can help you break up your everyday costs into more manageable instalments.
Buy now, pay later products let you split up purchases into smaller repayments so you can pay them off over time. With StepPay, you'll be able to split purchases of $100 or more into four fortnightly repayments. Smaller purchases under $100 will come out of your linked CommBank account in one go, two days after they're posted to your StepPay account.
StepPay is available to CommBank customers who meet our eligibility criteria and who satisfy credit assessments.
Log in to the CommBank app and search ‘StepPay’. Tap ‘StepPay’ and then tap ‘Apply now’ to see if you're eligible.
If you try to activate your StepPay and get an error or something has gone wrong after your application, you can always try again by navigating to the ‘Cards’ section in the CommBank app.
It might take a bit of time to appear in the ‘Cards’ section so try again later on if you can’t see it straightaway.
It's likely you're accessing StepPay on an old version of the CommBank app. Once you've downloaded the latest version of the CommBank app, you'll be able to view the correct StepPay screens.
You can split your purchases of $100 or more into four equal repayments everywhere in-store and online. Whether it's paying for a weekend getaway, utility bills, yoga classes or those new shoes you have your eye on.
You don’t pay any account fees or interest. A late fee of $10 will apply if you miss a repayment, but there are caps in place to minimise the amount of additional fees charged. Fees and charges may apply to your linked CommBank repayment account.
StepPay will automatically deduct the four repayments from your chosen linked transaction account.
If there aren't enough funds in the account, the card will be temporarily blocked until the funds are available.
If this happens, please don't transfer funds into StepPay. It's faster and easier to use the new PayNow feature to repay due or upcoming instalments.
If PayNow is unavailable on your CommBank app, make sure that the required funds are in your linked account
We’ll automatically check this account a few times a day and once cleared, your StepPay will be ready to use within 1-2 business days.
Yes, the new PayNow feature on the CommBank app allows customers to repay upcoming instalments with the click of a button.
Yes, you can move your spend limit up or down all in the CommBank app.
When moving your spend limit down, keep in mind if you wish to move it up in the future, you’ll need to reapply.
Moving your spend limit up is subject to eligibility.
You can also apply a temporary spending cap to manage your short-term budgeting needs. It’s a way to reduce how much you can spend, without permanently decreasing your overall spend limit. You can turn it on or off at any time, all in the CommBank app.
Initially, StepPay can only be linked to a CommBank transaction account. These eligible CommBank accounts include:
Business Transaction Account, Cheque Account Bearing Interest, Cheque Account Not Bearing Interest, Complete Access, Everyday Offset, Premium Business Cheque Account, Private Banking Account, Smart Access, Streamline Basic Account.
Yes. StepPay is eligible under the CommBank Yello Cashback Offers program.
StepPay is a CommBank buy now pay later product.
CommBank AdvancePay is where you apply to access money you expect to be paid, before your next pay day.
Get help from Ceba in the CommBank app or connect with a specialist who can message you back. You’ll need CommBank app notifications turned on so you know when you’ve received a reply.
* Read the StepPay Terms and Conditions (PDF)
1The CommBank Yello Cashback Offers program (‘CommBank Yello Cashback Offers’) rewards you with cashback after you activate (where required) an offer presented to you via the CommBank app and you make a purchase in accordance with the Terms and Conditions of that offer. Cashback is typically received within 14 business days of a qualifying purchase, but in some cases may take longer. If you are not already enrolled, you can enrol if you are at least 18 years old, hold an eligible CommBank credit Mastercard or debit Mastercard, Business credit Mastercard or StepPay digital card, and meet the ‘Base eligibility criteria’ in the ‘CommBank Yello Terms and Conditions’ (latest version available on our website at commbank.com.au) (‘CommBank Yello’). Your participation in CommBank Yello Cashback Offers is governed by the full Terms and Conditions available in the CommBank app.
2 A payment from your StepPay account is posted when the transaction is processed, and the balance due to the relevant merchant, is paid from your StepPay account. Prior to this, a payment is pending only.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPhone and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.
Applications are subject to credit approval. Full Conditions of Use will be included at point of application. Bank fees and charges may apply. The advice on this website has been prepared without considering your objectives, financial situation or needs. You should, before acting on the advice, consider its appropriateness to your circumstances.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. You should refer to your mobile phone plan or contact your provider to find out more. Terms and conditions are available on the CommBank app. NetBank access with NetCode SMS required. Find out about the minimum operating requirements on the CommBank app page.
