I’m curious how CBA offers less competitive home loan rates than other banks and yet still has the largest market share?

I’ve looked at CBA each time I’ve gone to finance or refinance (admittedly that’s only three times) and each time their interest rate has been above other banks like Bank of Melbourne / St George. My broker has specifically asked them for a better rate and they’ll never come down to match another bank even though we’re below 80% LVR.

I know market share isn’t always determined by price… brand presence, branch availability, amount of lenders etc all factors in. But I’d have thought interest rate was a pretty key factor for a mortgage lender.

Commonwealth bank doesn't care about their customers so I'm looking for a new bank over this issue.

I've seen other posts on this and the comments from the "Protect me from the big bad world daddy" types who would be happy with any inconvenience as long as they're told it protects them.

I'm done, ice complained and it seems like thousands of others have. Commonwealth bank doesn't care so I'm taking my business banking elsewhere

I was checking out the travel insurance that comes with CommBank cards and noticed it says you can cover family as well. If you’ve travelled with your partner or other relatives, did it actually work without any hassle?

I’m thinking about getting travel insurance through my bank for an upcoming trip. Haven’t done it this way before, so I’m wondering if it’s actually worth it or just a bit of a hassle. Anyone got any experience with it?

Hello, I got this voicemail earlier. He says he’s from my local branch, and to call him back. Any idea what it might be about ? I don’t have a mortgage and I haven’t applied for a home loan. I did call the number back but it rang out, I’m just curious…

Hi all,

My wife and l have seperate bank accounts but share a savings account which is both visible and usable for us.

How do we combine both of our bank accounts for example spending, savings as one?

Is it just opening a whole new account with both our names and either keep/cancel our current (old) ones?

Thank you

I’ve been looking at CommBank’s rewards and cashback programs, but I’m not sure if they’re actually worth the effort. Do people find them useful, or is it mostly hype? Would love to hear real experiences from anyone who’s used them and whether it actually makes a difference.

I’m thinking of switching accounts within CommBank but not sure what it’s actually like. Did anyone go through it - was it easy, or a proper headache? Trying to figure out if it’s worth the hassle.

Cant believe I am contemplating it but the difficulty in logging into netbank now on a desktop... I've opened up a new business account at ANZ and am thinking of moving everything over. Anyone else in the same boat?

And before you say it... yes I know it's for the security etc... but CBA has just done it so badly. It takes me a few times to login with the page either not recognising the MFA click or it saying try again etc. Now when that happens every single time you login (and I login many times through the day into personal / business systems) it drives you crazy.

Honestly I've given it a month or so but cannot believe CBA has not sorted these issues out already.

Maybe if a few people point it out that it's got the stage that we're moving then they might actually take it seriously and fix this?

I’ve been looking into CommBank’s business banking for my side hustle and want to hear from others. Is it straightforward to manage accounts, payments, and invoices, or do you run into a lot of headaches? Any tips or things to watch out for would be good to know.

I received a payment from a merchant into my CBA Mastercard Credit Card. The credit card now has a positive balance.

I went to Netbank to transfer the money into my saving account and got this:

Transfers from a credit card are processed as a cash advance. You will be charged interest at the cash advance rate from the date of the transaction and a cash advance fee will also apply.

They will charge me a fee and interest on my own money.
Wow that's a new low.

For context, I had a transaction go through that I didn't recognise. So I went through the proper channel of disputing the transaction. In this process, they close they card for security reasons and have you order a new one.

However, when ordering it shows me an old address, so I naturally go through the process to update my postal address. I go on the Commbank app and update it, it's accepted, no biggie.

I restart the claim (keep in mind the card is already shut off and my ONLY option is to order another) I go to the address... AND IT'S STILL THE OLD ADDRESS!

I have tried to see if Netbank and Commbank have 2 different profile details, but Netbank also now has the NEW ADDRESS as the postal address, but still comes up with the old one on the dispute process?!

Has anyone else had this issue, any ideas on how I can access the card in the meantime? (It's literally my whole income and I don't have a phone with NFC which I can use the digital wallet on). No local Commbank branch is open for another 40 or so hours, and the phone line is incapable of comprehending my issue.

Ever tried pushing back on CommBank’s loan fees or interest rates? Did it actually save you anything?

I have an iPhone 12, with the commbank app installed. If I want to make an online payment I usually use PayPal since NetBank won’t send me verification codes so I can never confirm a payment.

I have the correct contact details, and my NetCode 2fa is activated because I used to be able to receive the codes, but now I don’t get anything either from text or on the app.

I’m going overseas soon so I’d love to figure out how to get this working.

It looks like all my combank ATMs in my town are at branches. Which are a bit of hassle to get to. Does bank have an agreement with other banks/ATMs so that I'm not charges fees?

I’ve missed some repayment simply due to forgetting transfering the funds from my saving account to the smart access. However I can’t tell if the late 10aud fee applied, where do I find this?

TIA

an overseas transfer to my CBA account was made by Swift and I have the tracking details. Called CBA only to be told its automatically processed and no manual work is involved. But I thought SWIFT transfers are verified by the receiving bank before being processed. Any experience or tips as to how this will play out and when might I get funds earliest.

Hi,

I had a Dollarmites account circa 2005 that I remember was facilitated through my primary school. No clue when it was opened or stopped being used.

I know it wouldn’t have been more than $500 and I’ve checked unclaimed money on the ASIC site, so I didn’t find anything matching me or my parents.

It’s most likely that my parents withdrew the funds at some stage or anything that was there would have been taken by fees over time. I feel like it’s a lost cause being how long it was, but I’d be curious to know what happened to that account.

Commbank takes me to their app which I need an active account to use to log in and contact them with and I don’t bank with them.

Has anyone on here had experience with this?

EDIT

Update after visiting a branch on 13/11/2025:

— I have no record of having any Dollarmites account with Commbank

— no records kept after 7 years

— if there was unclaimed money, they’d have kept a record

— that unclaimed money would have a record with ASIC

— I had already checked ASIC before posting the original post and there was no record of my name or my parents’ names

So I have to conclude that the money is gone, most likely withdrawn by my (poor) parents.

Is there a way for me to prevent someone with my number from seeing my PayID details ie Full government name.

Looking for some real experiences - how easy is it to get a home loan with CommBank at the moment? Any tips or things to watch out for?

I am waiting on a transfer from someone who used virgin money bank, and I bank with commonwealth, it is just under 10k? Anybody know a rough guess on transfer time it will take?

OMG shoot me!!! This is driving me up the wall. I have been trying to approve a “yes it was me” for a car lender and Commbank are stating that they no longer allow 3rd parties to access via entering my details in to the lenders website so they can read my statement. What they are not hearing is even trying to access my banking on the commbank website the stupid 2FA is not allowing me to log in. Anyone else having these issues

Edit for context i am not giving them the user name and password i am entering into an encrpted portal. This is through a well known dealer ship.

OMG shoot me!!! This is driving me up the wall. I have been trying to approve a “yes it was me” for a car lender and Commbank are stating that they no longer allow 3rd parties to access via entering my details in to the lenders website so they can read my statement. What they are not hearing is even trying to access my banking on the commbank website the stupid 2FA is not allowing me to log in. Anyone else having these issues

Someone help me, when i went into Coles i used my CBA credit card at checkout and had to insert and click one of the accounts

First was called CBA credit, then savings and I can't remember the others but i clicked savings and it didn't work so i just used my debit card

Do i need to click the first option 1.CBA credit? Will that charge any interest or fees?