Smart Access and Complete Access

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Overview

Smart Access and Complete Access accounts offer flexibility, convenience and security as well as access to Australia's largest banking network and MasterCard acceptance worldwide for a low flat monthly fee.

Smart Access is designed for customers who want to do all their banking electronically. Unlimited transactions of the following types are covered under the Monthly Account Fee.

• All transactions through Commonwealth Bank of Australia ATMs in Australia
• All transactions through EFTPOS in Australia
• All unassisted transactions through telephone banking
• Netbank transactions (except third party payments within a transfer group and International Money Transfers (IMT)
• Internet transactions not from an overseas merchant.

 

Complete Access is designed for customers who want the option of branch access in addition to electronic services. Unlimited transactions of the following types are covered under the Monthly Account Fee.

• All withdrawals through any Commonwealth Bank of Australia branch and postal agency
• Cheques written
• All transactions through Commonwealth Bank of Australia ATMs in Australia
• All transactions through EFTPOS in Australia
• All transactions through telephone banking
• NetBank transactions
• Except third party payments within a transfer group and International Money Transfers (IMT).

 

Benefits

The key benefits of Smart Access and Complete Access accounts are as follows:

• All daily banking needs can be conducted from one account
• Choice between Debit MasterCard or Keycard 
  • Increased flexibility:
    • The customer can use their own funds to make purchases online, over the phone or via mail order using their Debit MasterCard card number 
  • Increased security: 
    • When selecting the 'Credit' option at an EFTPOS terminal or making purchases online or over the phone, customers have:
      • The added security provided by EMV chip and Falcon security management
      • Chargeback rights for fraudulent purchases provided by MasterCard Zero liability
      • No daily withdrawal limit restrictions - they can access all funds in their account
  • Increased convenience
    • Debit MasterCard is accepted worldwide at more than 27 million locations - anywhere that displays the MasterCard symbol 
  • PayPass allows customer to make purchase of $100 or less without having to provide a signature or PIN
  • Saves customer from carrying cash and travellers cheques in Australia and overseas
• An overdraft facility is available to approved customers

 

Features

The key features of Smart Access and Complete Access accounts are as follows:

• Funds are available at call
• Selecting the 'credit' option when making purchases using Debit MasterCard provides improved fraud protection through use of Falcon Fraud Alert
• Direct crediting of salary or funds from other sources of regular income
• Payment of regular bills by periodic payments
• Overdraft facility is available to approved customers
• Fee exemptions for youth and student customers

 

Eligibility

• For personal customers only
• Debit MasterCard available for customers aged 16 years and over. Keycard only for customers aged under 16.
• For customers who maintain an Australian residential address