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Banking / Complete Access Account Changes

Overview

From 6 January 2025, we’ll begin to move customers onto Smart Access accounts. There’s no need for you to do anything, as your Complete Access accounts will automatically change to Smart Access accounts. We’ll notify you before switching your account.

Why are we making the change?

As part of our commitment to provide the best available banking experiences, we’ve reviewed our everyday accounts offering and will be replacing Complete Access with our newer transaction account, Smart Access. 

What is a Smart Access account?

Smart Access is CommBank’s most popular everyday account. It has all of the features that Complete Access does, including options like Apple Pay, BPAY® to track and pay bills, and shopping rewards – just to name a few. 

Find out more

What’s changing  

There will be some changes to account and assisted withdrawal fees on your new Smart Access accounts.

See rates and fees for Everyday Accounts

Complete Access

Monthly account fee

$6 or $0; the fee will be waived if:

  •  You're under 30 years of age, or
  • You deposit at least $2,000 per month (excludes Bank initiated transactions), or
  • You meet other criteria1

Assisted withdrawal fee (When you take money out at a branch, post office or by phone.) $0

Smart Access

Monthly account fee

$4 or $0; the fee will be waived if:

  •  You're under 30 years of age, or
  • You deposit at least $2,000 per month (excludes Bank initiated transactions), or
  • You meet other criteria1

Assisted withdrawal fee (When you take money out at a branch, post office or by phone.) 

$3 per withdrawal or; the fee will be waived if:

  • You're under 18 years of age, or
  • You meet other criteria2

 

Frequently asked questions

No, your account number and card number will remain the same. 

Any automatic/recurring payments, including any direct debit arrangements or the way payments are processed to and from your account will remain the same.

Monthly account fee will continue to be waived if:

  • You deposit at least $2,000 each calendar month (excludes Bank initiated transactions), or
  • You’re under 30 years of age, or
  • You meet other criteria1

Yes, your CommBank app, NetBank log on and passwords will remain the same.

Yes, your current card and PIN will remain the same.

There are alternative ways of withdrawing money from your account:

You may be able to switch to a different product that is more suitable for your needs.3

You’ll notice that the account type will appear as Smart Access on your CommBank app, NetBank and statements.

We're here to help

Things you should know

  • 1 Monthly account fee waived for accounts with at least $2,000 deposited each calendar month (excludes Bank initiated transactions). A monthly account fee waiver will also apply if you’re under 30 years of age. You may also be eligible for a different monthly account fee exemption if you have an aged, disability or war veterans’ pension deposited in your account, have a balance of $50,000 or more in eligible contributing accounts, are reliant on over the counter services because of a disability or have an eligible home loan. Find out more about rates and fees.

    2 Assisted withdrawal fee will be waived if you’re under 18 years of age.  You may also be eligible for a different assisted withdrawal fee exemption if you have an aged, disability or war veterans’ pension deposited in your account, or are reliant on over the counter services because of a disability. Find out more about rates and fees.

    3 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). Full terms and conditions for the transaction and savings accounts (PDF)  mentioned and Electronic Banking (PDF) are available here or from any branch of the Commonwealth Bank.