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Banking / Buy now, pay later / StepPay / Apply for StepPay

StepPay is just a few steps away

StepPay lets you split your purchases of $100 or more into four, anywhere. It's the new way to buy now, pay later.

First make sure you can meet our eligibility requirements – then get started by opening an account with us.

Smart Access is a transaction account for your day-to-day banking. Or you can choose one of the other eligible account types listed below that may better suit your needs.

Apply for a Smart Access account

What's next?

Step 1

Apply for an eligible StepPay repayment account

Step 2

After opening your account

Once you've opened your account with us, you'll also need to:

  • Complete an ID check and provide tax residency information
  • Download the CommBank app.
  • Have regular deposits going into your eligible CommBank account (e.g. your salary or regular transfers)
  • Ensure any credit products with CommBank or other providers are in good order – we'll run a credit check to confirm your eligibility.

Step 3

We'll keep you posted

When StepPay is available to you, we may send you an email or a notification in your CommBank app or NetBank.

Otherwise, you can check in the CommBank app by searching StepPay. Tap 'StepPay' and then tap 'Apply now' to see if you're eligible. 

Need to know more?

Things you should know

  • The advice on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the advice, 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.