Help & support
StepPay is a great way to buy now pay later anywhere. You can use it to cover everything, from your online retail shopping to your everyday expenses and split purchases of $100 or more into four equal repayments.
We don’t limit your spending to participating retailers, so you can enjoy the convenience of making purchases with StepPay for whatever you need. You can even use StepPay for travel with no international transaction fees.
With StepPay, you can split spending into manageable repayments over four, equal fortnightly instalments that come automatically out of your linked CommBank repayment account. You’ll also be able to enjoy no interest charges, no monthly or annual fees and no foreign exchange fees!
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.
Use StepPay to book flights and hotels to destinations across the globe with Travel Booking. You have the option to pay all or part of your travel booking with your eligible StepPay card.
It’s easy to make purchases with StepPay. Here’s how it works.
The StepPay card is a digital-only card. To tap & pay in-store, add StepPay to your digital wallet in minutes. Log into the CommBank app, select ‘Cards’ from the home screen, swipe to StepPay and select ‘Add to wallet’.
Then when you’re at the register, you can simply go into your digital wallet, select your StepPay card, enter your pin (or let facial recognition works its magic) and tap it to make your purchase.
You can set up StepPay as your primary card of choice which means it comes up by default when you open your digital wallet, making it even faster at checkout time.
For online purchases, simply enter the details of your StepPay digital card at the checkout. You can access your StepPay card in a few simple steps:
Step 1: Log into your CommBank app and tap Cards at the bottom
Step 2: Swipe to find StepPay and press on the card or ‘Card settings’
Step 3: Now you can see the card number, expiry and CVC
Step 4: Enter or paste these details at the online checkout and hit purchase
You can use StepPay anywhere, on whatever you need. Think of it as your go to that covers everything - groceries, concert tickets, medical expenses, electronics, household appliances... the list is endless!
Armed with StepPay, you don’t have to compromise your savings plan or choose between what you want and what you need. Learn more about StepPay, a great way to buy now, pay later anywhere.
StepPay is a great tool to help manage your expenses. Even if you’re a good budgeter, costs can crop up that don’t fit with the plan, leaving you to try and juggle it all – from everyday bills to the extra-ordinary ones.
That’s when being able to split your payments into instalments can help, so you don’t have to dip into your savings or throw that carefully planned budget off track.
With StepPay, you can break down bigger costs into smaller chunks and pay them off over time, so you don’t have to miss out or break from your regular budget. When you make a purchase with StepPay, the amount charged will be what's shown on your receipt.
Simply check your StepPay account in the CommBank app to view your instalment schedule. We'll send you a notification the day before your instalment is due.
Purchases of $100 or more will be split into four repayments over six weeks. Your first repayment will be automatically deducted from your linked CommBank account up to two days after the transaction is posted to your StepPay account. The three remaining repayments will be automatically deducted over the next three fortnights.
Purchases under $100 are not paid in instalments. The full amount will come out of your linked CommBank account, two days after the transaction is posted2 to your StepPay account.
All repayments are automatically deducted from the linked CommBank account, so it’s important to ensure you keep sufficient funds in your linked account to meet your repayments.
In the CommBank app, you can review your upcoming repayments or make early repayments at any time by selecting your StepPay account. You also have the ability to make one or more repayments earlier than scheduled from your linked account.
To make an early repayment:
Step 1: Select one of the “Pay” buttons in your StepPay repayments tab
Step 2: A pop up will ask if you’d like to “Pay now” or “Choose repayments to pay”
Step 3: If you click “Choose repayments to pay”, you can select any eligible repayments to pay early
Step 4: Upon making your choice, your payment will be processed and you’ll receive a confirmation on your screen
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 repay due or upcoming repayments within the CommBank app, by accessing StepPay from your Accounts list. Alternatively, ensure the funds are in your linked repayment account. We automatically check your linked account a few times a day, and once cleared, your StepPay card will be ready to use within 1-2 business days.
When you first set up a StepPay account, you’ll have an approved spend limit. You can manage your spend limit at any time in the CommBank app. You can apply to increase your spend limit; this is subject to eligibility and approval. When decreasing your spend limit, keep in mind if you wish to increase it in the future, you may need to reapply and be approved. We may reduce your spend limit*, and we’ll notify you if we do. 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.
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)
1 The 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.
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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.
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