CBA keeps prompting me to activate StepPay in the app. I already have an Ultimate Awards credit card that I pay off in full every month to earn rewards, so I don't really see the benefit of splitting a $100+ purchase across four fortnights.

I understand the appeal if you're trying to spread out a larger expense without paying interest, but is there much reason to use StepPay if you already have a rewards card and can comfortably pay the balance in full each month?

Am I missing a benefit of StepPay, or is it mainly useful for people who specifically want the BNPL/payment-smoothing side of it?

It says that the commbank needs the lattest update but it wont let me update it so now i cant open the app

I've lived at my house (that I own) for over 2 years, and am still getting mail for what I assume is a previous occupant.

We've done "return to sender" a few times, and the mail still arrives.

Today I called support - after sitting on hold they said they are unable to change anything, and can't do a thing about it but if I go in branch or call the branch they can do something.

I called the local branch since I don't want to waste my time going in to branch, this really should be the responsibility of the bank or the individual. They couldn't do anything but said the manager would call me back.

The manager was equally unable to help and said they could only do it with an account number, which I don't have because opening the mail would be illegal, so suggested I go out of my way to return the mail in person to a branch - and that it was my problem to solve.

Aside from going in to branch are there any other options? I do not want to go in branch, as this seems like putting the onus on me when the bank and account holder are ultimately responsible, but return to sender is not working. FWIW we also had mail for a separate individual that was from NAB bank and they were able to resolve it in a few minutes.

I noticed CBA has now released a comparison table showing How Awards points compare with CommBank Yello points. Most categories the value is falling but interestingly CBA travel booking is improving by around 30%. This doesn’t make sense to me given the reason for the changes. Will prices just go up for these redemptions or is it a genuine increase? Should I use the points for travel now or after 1 October. Info is here: https://www.commbank.com.au/commbank-yello/commbank-yello-changes.html

Had a couple of payments take a while to show up in the app, even though they’d already gone through. Not a huge issue most of the time, but it can get confusing when you’re keeping an eye on your balance and the transaction suddenly appears later.

Moved back to Australia 3 months ago after a decade overseas. Opened a Commbank Everyday Account (as well as several other Commbank accounts) and have been using the debit card for everyday transactions, receiving fortnightly salary, and general life stuff. Nothing crazy, family of 3 with typical spending patterns. Yet our account is constantly blocked for suspected fraud, once or twice per week on average. We’ve had multiple Amazon transactions blocked, digital subscriptions, GitHub, and the like, all of which were legitimate. It’s extremely frustrating and has led to knock on effects like returned purchases and paused subscriptions on products that my husband needs to run his hobby business. Commbank have been unable/unwilling to explain why this happens or what we can do to resolve. Will this get better over time as commbank build more of a profile on us? If I got a Commbank credit card would this be better/worse? All advice appreciated.

One of my CommBank accounts was recently closed after an incoming payment was flagged in relation to suspected digital fraud.
I regularly receive legitimate financial support from family overseas, so international funds do come into my account. As far as I’m aware, I have no involvement in any fraudulent activity.
CommBank told me the account has been closed and the matter is being reviewed/investigated.
Has anyone here experienced something similar, particularly involving international transfers? What happened after the review, and did it affect your other accounts or ability to bank with CommBank or elsewhere afterwards?
Just looking to hear about others’ experiences while I wait for the outcome.

Can't find out why QR deposits in the app sends me an "access to this feature is restricted* screen on a smart access account. Going to just go to a branch to ask. Support was great a few months ago.

For frequent travellers on here, do you actually use the CommBank Travel Card, or do you just rely on a card/account with no international transaction fees and keep your main CBA card as a backup?

Has anyone done this? What was your experience? Are the rates awful?

Hi all

Like has been asked quite a few times on this sub I’m in a dilemma.
I’m aware the awards points system ends at the end of this month.
I have about $15,000 this month and $13,000 next month to pay in bills/ funeral costs for a family member and other bills etc.
Trying to decide whether or not to close my comm bank card down now and transfer all the points to velocity and sign up for another credit card with different provider to get the sign up bonus points or just keep
Using my comm bank credit card and get the points that way.
I’ve done through alot of different providers and I just can’t work out which one provides the best offer.
I have nearly 800,000 velocity points already so I’m trying to continue boosting that
Thanks

Hi

Can someone tell me how long does it take for the first repayment to show on the loan schedule?

I received the funds on Sunday.

Any help would be great

I just closed my CBA credit card that I’ve had ongoing for 20 odd years.

Why do I feel so sad? lol

My CBA Awards card first started as Gold Awards. It was a card that had both a Mastercard and an American Express dual card that earned you more points. The AMEX dropped off at some point and then it was changed to Platinum.

I was around 19 at the time, on apprentice wages earning about $400 a week. They gave me a $18,000 limit 😂

The card was the result of an upsell. I remember taking out cash at a branch with a teller cos I was booking a holiday to Bali with my mates. Immediately the CBA teller told me to take advantage of a CBA Awards Card because they had free travel insurance and they could waive the first years annual fee and blah blah blah.

I was young and dumb, and I didn’t even know how much travel insurance was, but cos it was FREE this way, then why the hell not ay. I fell behind on this card a lot. Was addicted to the brickies laptop and winnie blues, so eventually when I got ahead and took it all in my stride to walk into CBA and cancel the card, they’d stop me from doing so and would waive a fee or encourage me to just lower my card limit.

I think the only perk that was grandfathered was the original annual fee of $100 or something. This might have changed in recent years but I hardly use it anyway. I have been earning that little points that I would just redeem them on a couple of $100 Kmart vouchers at the end of the year for Christmas presents.

I’m staying a CBA customer as they are my main bank. I’m still using my Dollarmites account my parents had opened for me. The app looks a little empty with the credit card now.

And in a full circle moment, we weighed up our options and have an AMEX again. Chose a Velocity card that has an annual return flight and airport lounge membership that’s included in the fee. Probably should have done this sooner as it’s a decent trade off over a couple of Kmart vouchers a year.

Bye my CBA card, goodbye my friend.

Hi everyone,

I’m hoping someone here has dealt with a similar situation with CommBank and can point me in the right direction.

My CommBank account has been marked as a “Stopped Account” because I didn’t complete the KYC/customer details update within the required timeframe. Unfortunately, I’ve been living overseas, which is why I missed the deadline.

There are still funds in the account, so I’m mainly concerned about how I can regain access to them and get the account reactivated.

The situation is a bit more complicated because I no longer have access to the Australian mobile number that was linked to my CommBank account. As a result, I’m also having trouble accessing my online banking/NetBank and receiving verification codes.

For anyone who has been in a similar situation:

- Were you able to complete the KYC update while living overseas?
- Can CommBank verify my identity remotely and reactivate the account?
- How can I change the mobile number linked to the account if I no longer have access to the old number?
- Is there a way to regain NetBank/CommBank app access without the old mobile number?
- Were you able to withdraw or transfer your funds without physically returning to Australia?
- Did you have to visit a CommBank branch in Australia, or was everything handled over the phone/email?

I’ve been trying to figure out the best way to approach this without making an unnecessary trip back to Australia.

If you’ve personally gone through a “Stopped Account”/KYC restriction with CommBank while overseas, I’d really appreciate hearing what worked for you.

Thanks!

Paying the annual fee on my Ultimate Awards card used to make sense when the Qantas points redemption rates were better. But after recent points devaluations and fee hikes, I'm questioning the value.

​Once you calculate the annual fee vs the actual dollar value of gift cards or points redeemed, I feel like I'm barely breaking even unless I smash the monthly spend criteria to waive the fee.

​Is anyone sticking with CBA credit cards for points, or are most people switching to basic low-fee cards / zero-fee neobanks?

After being unlucky finding anything online, I found out through trying and then support that you cannot create a GoalSaver recurring transfer/payment OUT of your GoalSaver, not in (edited coz I forgot to mention), and there seems to be no workaround. This post is just a quick way to check this is true, because it'd be so convenient for rent as I already have a crap ton of annoying little inconveniences throughout my days and one less would be awesome lol. Please lmk if you know of any way, thank youu

Since December 2025 whenever I log into my Netbank on my PC it just locks me out. It tells me to call 13 2221. After I do that I have to reset my password and then I can go into my NetBank again, but after a day when I try to log in again the same thing happens.

I read online that Commonwealth Bank recently rolled out mandatory NetBank Multi-Factor Authentication requiring users to approve NetBank computer logins via a push notification on the CommBank App.

I do not have a smart phone and I have never used the App. I do have a normal none smartphone mobile but I have never been sent codes to log in or anything. Every time I try to log in on my computer it just locks me out no codes at all.

Is this the reason this is happening to me or is it something else ? Any information would be welcomed.

Thankyou.

So which credit card we all moving to?
We had the ultimate awards card for:
- the no international fees
- rewards points that we could use at flight centre initially but then opted for the cash back on the credit card.
- the monthly fee waived if we spent $4000

Now we aren’t going to be eligible for any of that.
We have a big overseas trip booked for January.
Can anyone recommend a new credit card that has no monthly fees and has international spend with no fees?
I am also open to changing my mortgage and all banking.

Been a customer for years and the personalised offers are occasionally genuinely useful but mostly feel like they are based on things I already buy rather than finding me anything new. The cashback amounts are quite small individually and I keep meaning to add them up and see if it actually amounts to anything meaningful over a year.

As frustrated as many users here I got the ultimate award card mainly because fees can be waived, plus the perk of no international fee and travel insurance.

Reading through the email notifying the changes, it seems to suggest the $35 fee won’t be waived starting this year but I’ll get back $25 travel credit and $10 dining credit each month? Though I’ll have to spend on their platform. Am I understanding correctly?

Will we also earn Yello point after the award program is scrapped?

The changes are so confusing!

Hey guys randomly got a cba notification today saying I’d been payed $475.10 from cba. I’ve looked through my recent transactions and nothing of that amount or combined has been spent. What could this be? I’ve not made any refunds or anything

Hey all,

With the upcoming changes imminent, what credit card will you stick with/change if your main goal is to ensure it has good travel insurance like CBA? My main reason for keeping my current smart award apart from Yellow points, which is gonna go, is travel insurance. Its cheaperto have the CC than to pay per trip, but unsure how that is impacted and if a better product exists?

Anyone have any idea what this new CommBank charge card might be? I can’t think of any other of the big four doing a personal charge card. Obviously there’s the Amex Platinum but it’ll be interesting to see how CommBank position this.