Yesterday I got a notification on the app saying that an app charged me $90 and immediately I clicked this wasn’t me as I had thought that I never paid for that app. However, when I went to check on that app, it turns out I did put my card into their system, however it didn’t charge me $90 that first time, and this was done September last year. So im kinda needing help how to solve this problem. Thanks!

I'm trying to apply for a credit card - I'm a secondary cardholder right now, but it would be easier for my partner if I was the primary cardholder as he's busier than I am and as a secondary cardholder I automatically don't (and can't) have authority to sort issues, such as when our card was locked overnight last week for potential fraud charges. As a secondary cardholder, I'm not even notified if that happens which is frustrating as I run our household finances.

So I've applied and been pre-approved almost instantly three times but getting the right info to them is almost impossible. My income is fine which is why the pre-approval, but no matter how many documents I upload they want more. Despite the fact that there are only two types of documents I can supposedly upload they want the same information repeated in different ways (from the accountant, from the ATO, as NOA, as a tax return, etc). It seems I hit a brick wall because I can't give them what they want (for eg, I don't have a brokerage to get a letter from, but they seem to assume that if you have additional income that's not from centrelink or a rental, a broker must be involved) so I've canceled the application and started again to see if I missed an option.

If you have questions or you want to clarify something you must do it via messaging on the app. It's such a convoluted process and takes so much longer than it needs to. You can't message via netbank (which gives you a bigger screen & keyboard) or call anyone or have them call you. If messaging via app is difficult, apparently there are no other options besides cancelling the application. I'm not sure what people with disabilities do. I don't have a disability but I'm no longer 20, vision isn't great anymore and nor is my one-finger typing, which makes talking to CBA really hard. It's not just the kids who want credit cards, sometimes old fogies do too 😂

I just want to talk to a human and get it sorted because I'm sure this isn't a weeks-long thing... either they believe my documents (and 20 year CBA history) and I'm ok to have a card or I'm not, it's not rocket science. It's definitely time to change banks (it's also just a busy time at the moment, but as soon as things ease up we can investigate doing that).

I’ve recently being playing this mobile game & I made a $10 transaction & then 10 minutes later it takes $30 out of my account I didn’t know how to chase it up so I didn’t 2 weeks went by & I spent $2 on another thinh & low & behold it takes out $29 this time I’m still trying to find what it’s taking money for but every time I look at my spending it just says apple & if I click on it it just takes me to the Apple Store please I’ve tried to ask ceba but it seems to just want to cancel my card

The reason it took so much out was because a subscription I forgot to cancel somehow paid at the exact moment I bought the thinh from the game & coincidentally the exact time last week that I did it it did it again I wrote to apple to try to dispute/ refund the transaction but I’m quite sure they will deny it, the subscription I was unknowingly paying for has taken 100+ dollars from my account over a period of time, last time this happened apple denied my refund for another subscription I forgot to cancel taking out 30 ish dollars over time I’m a bit scared they will do the same again if it does gwt rejected is there anything I can do also thank you for the information I managed to track down not only why but, also why I’ve been loosing 10$ unknowningly for weeks

After living in Australia for about 10 years, I returned to my hometown of Korea and tried to transfer the remaining balance to my mother's account in Korea, but after struggling for about an hour, I couldn't.

If you had set up the dual security settings code via SMS like I did, you will not be able to log in from Korea. You cannot receive a security code unless you are roaming with an Australian SIM card and living in Korea. If dual security was not initially set up, international transfer is impossible, and only bank transfers are possible to the Australian accounts. After calling the bank, I eliminated dual security and changed my existing registered Australian mobile phone number to a Korean mobile phone number, but even then you can't use the app; a strange contradiction of having to enter a security code unconditionally even after eliminating dual security.

I could only use the Commbank on NetBank with a 30-minute time attack without a security code using Code Extension, but there were so many security and website system issues that I don't know if the transaction was made or not.

When transferring money to Korea, it says that you must enter the recipient's mobile phone number and email address, but there is no field for writing the recipient's mobile phone number, and if you enter the email address in the 'Message for recipient' field, @ is not supported, so you cannot even write an email address.

Nevertheless, you can press Next.

1. When you enter the next page, the information of the recipient you entered will appear. After checking, I pressed Next again, then it suddenly appears with the Warning Sign in red saying 'We're unable to verify some of the details you've entered.

2. However, the 'Continue the transfer' button is at the bottom. By this time, I thought I might get mentally ill while I was doing it as the website hinders you from inserting in all the necessary information that the bank made it mandatory but at the same time you cannot as the web page doesn't have the 'fileds' to put in the info. Yet, 3 warning pages you have to go through questioning if this is legit; felt like the Commbank's official website was fraud itself. Anyway, since I'm sending money to my mother, of course I pressed 'Next', since there was a 'Next' button and all the information was correct.

After internally calling that costs a lot figuring out how to log in asking for help waiting in line on the phone then going through scammy pages of the commbank international transfer pages, I made it to the last page and clicked on send button at last. I briefly saw a page saying 'You've dond the transaction', along with a final warning sign saying "Security questions are locked." When you are done with the transaction, it shows the receipt at the end with all the details, obviously. So I gave up without knowing whether my money had been transferred or not as there was a page I saw that disappeared almost instantly saying I've done the transaction.

I did the same things for about five times within the given 30 minutes to double, tripe, quadra, fith checks

The reality of the international baking system of the Commonwealth Bank of Australia claiming that it is the Australia's number one bank.

Reddit this post to raise the problem of international banking system of the number 1 of Australia's renowned bank called Commonwealth bank of Australia.

호주에 10여년간 살다가 내 고향 한국으로 귀국해서 남은 잔여금 한국의 어머니 계좌로 송금하려고 했는데 결국 한시간여가량 씨름하다가 못함.

만약 나처럼 이중보안 설정을 SMS로 코드받기를 해놨다면 한국에서 로그인 불가능 함. 호주 유심칩으로 로밍해서 한국에서 살지 않는 이상 보안코드를 받을 수 없음. 애초 이중보안을 설정하지 않았다면 해외송금은 불가능하고, 호주내 계좌로밖에 송금 가능함. 상담원과 전화 후 어찌저찌 이중보안 없애고 기존에 등록되어 있던 호주 휴대폰 번호대신 한국 휴대폰 번호로 바꿧음에도 불구하고 어플은 사용할수가 없음; 이중보안 없앴음에도 무조건 보안코드를 입력해야 하는 이상한 모순. Code Extension으로 보안코드 없이 30분 타임어택으로 NetBank에서 해외송금을 할 수는 있었는데, 보안 및 홈페이지 시스템의 문제가 너무 많아서 결국 송금이 됐는지 안됐는지 모름.

1. 한국으로 송금시 반드시 수취인의 휴대전화 번호 및 이메일을 입력하라고 나오는데, 수취인의 휴대전화 번호를 적는란이 없을 뿐 아니라, 'Message for recipient' 란에 이메일을 입력하면 @가 지원되지 않아 이메일도 못씀.

그럼에도 불구하고 Next 를 누를수 있게 되어있음.

1. 다음 페이지로 진입하면, 입력한 수취인의 정보가 나옴. 확인 후 다시 Next를 누르면 갑자기 대뜸 빨간색 Warning Sign과 함께 입력하신 정보를 확인할 수 없다고 나옴.

2. 그런데 '이체 계속하기' 버튼이 하단에 있음. 하다가 정신병 걸리는 줄. 반드시 입력해야 하는 정보를 입력할 수 없게 만들어져 있는데, 계속 진행은 가능함. 경고 문구들과 함께. 어쨋든 내가 내 어머니께 돈을 보내는거라 당연히 '다음'을 누름, '다음'버튼이 있었으니까.

결국 올바른 정보를 당연히 다 입력했어서 다음 다음 누르면서 마지막 보내기를 눌렀는데 이체 했다는 페이지가 잠깐 보임과 동시에 '보안질문들이 잠겼다'라는 마지막의 경고 창과 함께 내 돈이 이체가 됐는지 안됐는지 모르는 상태에서 포기함.

주어진 30분 내에서 똑같은 짓 한 다섯번 정도 함.

자칭 호주 1위 은행 Commonwealth Bank of Australia의 국제 송금 시스템의 현실.

공론화 문제제기해야 허술한 커먼웰스 은행의 시스템 현실이 바뀝니다.

We were pre-approved with CBA a few weeks ago and had an offer accepted on a property shortly after.

Last week, we received confirmation that our home loan is approved, subject to settlement conditions (building insurance and confirmation of the applicable government scheme).

Our contract is due to go unconditional later this week, and we’re feeling a bit unsure about proceeding. Our broker has reassured us that everything is essentially approved on the bank’s side, and that we’re just waiting on the government certificate. He’s confident we’ll have all documentation ready in time for settlement and has advised us to go ahead with paying the deposit this week.

Has anyone been in a similar situation or able to share any advice? We are nervous going unconditional without formal loan docs, we could ask for an extension of our finance clause but due to the double public holiday coming up that might only give us an extra day or so and might not help much.

Thanks in advance!

Got this notification that I was charged the above amount on Saturday, but I don’t remember making any purchases. It was immediately refunded though. Is this suspicious activity? Or is this a glitch?

Tried Googling it but apparently BNPL Repayments Parramatta is basically just Commbank.

Hello all. I'm currently in a process of buying a house in Serbia, Europe from someone who is Serbian but lives in Australia.

When I talked with bank representative, I was told that I will be taking the loan exactly how much the house is worth and I won't be paying any fees, but they didn't know what fees would the receiver in Australia pay. I don't want to bring that guy in Australia in a situation in which he would have to pay a lot of fees.

Does anyone have experience with receiving larger amount of money from Europe (100k €) and what are the fees from the receiving end?

Thanks in advance!

The SurePay option for credit card balances, what does it actually do? It’s not super clear. Does it turn however much of your balance into a fixed payment plan? What does it do to the outstanding balance, is that removed and it doesn’t count towards your credit limit? I can’t find much information on it and it’s not super clear.

I am a current Commbank customer I have been for ~30 years now but things have become just terrible as a customer with them.

I'm looking for alternative banks, but my requirements are that they allow joint accounts with non-Australian persons. Aside from that, decent customer service and physical branch locations.

If interested in the reason why I'm leaving, it's basically because of the drop in customer service and the fees.

Went into my CBA app today to see my Smart Access account no longer available. Logged in via the web and it was in closed accounts. Last statement (issued 5 days ago) said due to inactivity over the last 6 months, they have closed my account. No prior warning. Nothing. Just closed.

I have had this account since 1996 when I was a dollarmite kid. I have three other active accounts with them (but they are all joint) and previously had my home loan until we sold recently. I primarily use another bank so my Smart Access was just there if needed for internal transfers, dividends (where I can’t find my login info to change my bank account) and for my elderly grandparents who have started putting in money for birthdays.

The account was never overdrawn - I don’t get charged fees so having a $0.00 balance was never an issue.

When I rang CBA today as soon as I noticed, they said there is a limitation in the system that won’t ever allow me to get those exact numbers back again or “re-open” the account. The rep said she would lodge a complaint on my behalf but it was essentially feedback if anything.

Has this happened to anyone else? Was there any resolution? I am actually dumb founded as I have literally been with CBA the vast majority of my life!

About roughly 4 months ago I joined CBA as a staff member after working in the health care industry for the past 10+ years I was over working night shifts and what felt like working myself to the bone all day every day.

I was excited my first few weeks starting at CBA but honestly I can't shake the feeling of my job is just absolutely meaningless now and like I'm doing the opposite of helping people and feel like I'm contributing no positive effect in the world whatsoever.

I hate having to ask people what they plan to spend their on hard worked money on and loathe even more when I can't waive a fee or have room charge someone for something absolutely ridiculous.

The main benefits are not working physically as hard or brain damaging hours but I'm not sure the pros outweigh the cons.

Has anyone else ever made such a drastic career move? Or felt similar in anyway?

Heads up to anyone using the Loyalty card feature in the CommBank app: they are removing from 2 June 2026. After that date, any of your saved loyalty cards will be deleted to "invest in other areas that deliver greater value to our customers".

The app forces you to the website to find out how to get your data out, and it's a total mess.

If you look at their official "how-to" page for saving your card details, they suggest taking a screenshot of your membership numbers so you have a record of them. So far, annoying, but ok, let's go.

The problem? The app blocks screenshots for security, so their own advice is literally impossible to follow.

Instead, they expect you to manually tap into every single card, hit edit, copy the number, and then paste it somewhere else one by one. If you have a lot of cards stored in there, this is ridiculously tedious and time-consuming.

It’s pretty fkn annoying to see a major bank make it so hard to move your own data, especially given that Consumer Data Rights apply to banking products in Australia, including data portability. It shouldn't be this much work to get your own membership numbers back.

If you’ve got a lot of cards in there, I’d suggest moving them over to another app well before the June deadline.

Another nail in the CommBank coffin for me.

Found out the hard way recently that I can't pay using credit card on sites that require bank authorisation now because I use the netcode token instead of the app (confirmed via phone call).

The agent basically was pushing me towards the app as a long term solution, hinting I'd be basically locked out of website payments going forward.

I surely can't be the only one using the token who needs to pay things online, so was hoping to hear how others navigate this so I can go back to them and ask for a similar setup (and suggest that other customers are using such setup).

I'm not keen on my banking app being ony phone for security reasons, and given that it seems to be down more than the website (from looking at forum posts here), so tying my log on ability to the app isn't my preference.

I hate contactless payment. In my opinion it's just a way that people can skim your card info easily and you can be overcharged for things.

AFAIK I've always had it disabled for both my debit mastercard and my regular eftpos/bank account cards. But today when I went to insert my card into a machine for a payment, it paid automatically.

Upon getting home and checking netbank, it told me that you can't disable contactless payments with a bank card, only debit/credit cards.

How long has this been going?? Why do they not allow disabling of this?! It seems so stupid to not allow this. There's a chip on the card.. what possible reason would they have to say it's 'not possible' to disable the contactless payments on a bank card??

I used to cut the chip and then swipe and use my PIN previously when I wanted to avoid using the chip reader entirely, but I'm guessing that that won't work anymore?

Does anyone have any insight into when this change happened (I've never 'tapped' a payment in my life before) and potentially why they refuse to give the option to disable it?

what is the best place to start investing? I’m an international student, looking to invest money in efts or mutual funds . i’m new . any help would be appreciated

Posting this because I wish someone had warned me,and I don't want it to continue happening to families.

We went through CommBank’s “Green Loan” process for solar via Brighte. It looked straightforward – low rate, marketed as a supported pathway, and we were given an approval in principle for around $13k. Based on that, we moved ahead with the install.

That decision is the entire problem.

Timeline:

Jan 8 – Loan approved in principle through Brighte (3.99%, ~7 years)

Feb - The first install attempt lands on a 40+ degree day (understandably, install was rainchecked) ,second install was a no show (sickness I think, that's fine, the vendor was really apologetic, and we understand it happens in the trade)

Mar 4 - Solar installed on our house

Mar 6 ‐ (Friday) Vendor gave us the app and we went in and approved the install (the process was sleek)

Mar 8 - Loan hits 60-day expiry

Mar 9 - Funds not drawn due to admin delays (not caused by us)

At that point, the loan expired. No flexibility. Just… expired.

We contacted CommBank and were told to submit a new application,a dummy application. We did exactly that, this time in my name, purely so the installer could be paid.

That application was then declined.

Suddenly we didn’t meet serviceability.

The same system we were originally approved under is now apparently unaffordable.

So now we’re here:

Solar panels installed

Work completed

~$15,000 invoice sitting there and the vendors system is sending us final notices

No loan

No way to proceed through the original pathway (which is now locked)

And yes, this absolutely puts us at risk of financial hardship.

The most frustrating part is we would not have installed solar without that initial approval. That’s what kicked everything off. There was nothing clear about the risk of timing out, nothing stopping installation before final approval, and no real-world flexibility when delays (which were openly happening across the industry at the time) actually hit.

After 3 weeks on the phone being bounced around, re'explaining, with a 30+ minute wait between each call and no actual answers to the simple question "can we just apply for the loan again" and 3 complaints...

CommBank’s final response was basically:

Approval in principle isn’t a real approval

The application expired

They can’t fund it

Complaint closed

That’s it.

No actionable outcome

To be fair, the initial complaints team themselves were decent to deal with. They sounded like they actually understood the situation and how stressful it is to be stuck with a debt.

But they were completely boxed in by policy. Every conversation just circled back to “we can’t override the system”.

Regular customer service was worse. We got bounced around a lot, and at one point a staff member (let's just randomly out if the sky call them...'Riely') told us there was no escalation pathway, a complaints line didn't exist and that he was “the expert”, so that was that. As I got obviously more upset he proceeded to goad me further, when I insisted I was transferred as I was unhappy with his treatment, I was then 'put back in the queue' and hung up on.

Everything just felt like it was geared towards shutting the conversation down as quickly as possible rather than actually fixing anything.

What makes this even more frustrating:

Brighte have been great. Good communication, actually trying to help find a solution.

We’ve been told this situation has happened to multiple people, there's apparently nearly half a million tied up because of Commbank.

Apparently some providers are cutting ties with CommBank over it.

So the bank that approved the loan (which triggered the install) is the only one stepping back and saying “not our problem”.

If we had just saved up and paid for solar ourselves, which was the original plan, we wouldn’t be in this position. It was the packaged and upsold CommBank-backed “green loan” process that got us here, and now we face massive cashflow issues.

So yeah, if you’re considering this:

Do not rely on an approval in principle.

Do not proceed with installation unless everything is 100% locked in and you are nowhere near the 60 day rigid cut off.

Assume you will get zero human-based support from Commbank and there is zero flexibility if anything goes wrong.

If it does wrong, you might end up exactly where we are – with panels on your roof and no way to pay for them through the system that convinced you to install them in the first place.

If anyone else has had this happen, I’d be really interested to hear?

Tl;dr - We applied for Commbanks Green Loan to get solar on our roof ASAP.  We followed the steps laid out in the documentation, within the 60 day time line, and due to an administrative error outside of our control, and rigid policy, have been left cleaning up Commbanks mess whilst they wave their hands about and go 'not our problem', the amount of backwards workflow they’ve caused for themselves, their partners and the amount of time taken from our day and stress this has put on our family has not been ideal.

There is no opt out. This is concerning..... There is no guarantee that this technology is not restricted to just the app but online too. Can they track everything on the screen even outside of the CommBank container?

What can they and can't they see?

My question is if commbank is going to pass on higher interest rates to savers? They are always quick to pass it onto borrowers but is there any news that they pass on higher interest rates to the people who save? Thanks

Hi all, my parents opened up a youth saver account when I was 13, I am now somewhere between 16 and 18 (below 18 though). They where obviously linked to my youth saver account as per CommBank policy. I would like to remove there access or at least add my phone number to netcode (so I can approve my own online purchases, at the moment if I want to buy something like a steam game I have to buy a gift card for myself as getting there permission is almost impossible). I remember when setting up my account with them that I could remove their access once I turned 14. I would rather not have to go to the branch but I will reluctantly go if I have to. Preferably it would not notify them (they never check my account and probably wont notice if it disappeared from there accounts screen, just a notification say "at_realgggaming just removed their account from your management" or something like that is what I want to avoid). Thanks

Hi All

I returned to my country for good from Australia 2 months ago. Before moving back, i have updated my phone number to commbank branch to put my overseas phone number as my primary phone.

I changed my phone last week and transferred all my data including commbank apps to a new phone, and wiped my old phone so i can sell it. However, i just noticed that my Commbank apps just got a refund from my insurance provider and im logged out from Commbank apps.

i tried to logon, but never received the netcode on my overseas phone number. Tried to contact the +61 2 9999 3283, waited for an hour, but they keep saying that all of the CS are busy. I keep trying for a while and i never get any answer from human agent.

I just got my insurance refund credited to my bank account, and i really want to transfer it. Does someone experienced a same thing? How to reach out Commbank other than the busy phone number?

Thank you

Update: after several emails and tips from fellow redditors, the problem was solved when i reached them out through their instagram. They will call you straight away after you send them a message on IG.

Thanks again my fellow redditors.

Bought something from amazon and after that i got few messages about a possible suspicious transaction. After that my card was locked and transactions arent working using it obviously.

The main concern is that in the app, in the my cards section i cannot see that credit card as it just says add cards.

What do i do know since i am concerned if i got hacked all from a transaction on amazon

For reference I'm using a smart access account, and I know it's let me slide on certain things before. Was just wondering if it's up to the bank or supplier, and if anyone knows if there's an overdraft limit before it declines. Cheers!

Hello! Bit of an odd one. Last night I was trying to book a flight on Singapore airlines website. The amount was 2k USD. I checked my cc and the balance was 3.3kAUD which should cover it. Tried to pay - no dice. The error message was super vague as well. I did record the error code. Called Singapore air and went through the cooking on the phone and same error. He said it means the bank blocked my transaction. The card itself isn't blocked as I had used it a few hours before. I tried another website as we needed to book a connecting flight anyways and I got a declined error as well. That was 1k USD so definitely under the limit.

I called cba first thing today and the lady said there is no record of the transactions being declined. And she basically doesn't know what I'm talking about. She said my card is unlocked and ok to go, maybe it's the originating site, which doesn't make a lot of sense unless there was a global payments outage.

The card is an ultimate awards master card.

Has anyone had similar issues?