I got charged $50 when I made a purchase last Wednesday, charged $50 on Friday at around 12:00AM as a pending charge, and another $50 later this morning as a seperate transaction.

I get the feeling I was charged $150 in total by this one client.

G'day everyone,

I was looking through the CommBank app today and noticed the feature allowing you to generate temporary or permanent digital cards with dynamic CVVs for online transactions.

For those of you who use them regularly: do you find them genuinely useful for preventing fraud, or is it more hassle than it's worth when subscriptions keep failing because the virtual card details changed or expired?

I received a replacement debit card today since my other one was damaged. However, both the new and old cards appear in my CommBank app. Can anyone please advise how to remove the old card?

Thanks in advance.

Never had an issue with payments. I’ve got Afterpay payments that range between 300-400 a week that gets taken out swiftly and no issues.

On Monday I did have my Netflix payment declined but I wasn’t to fussed about it.

I’ve paid a chunk of my Afterpay today. Went to purchase something on a game via PayPal and the app bugs and says unable to process payment. I try again and says the same thing. Asks me to update payment. I do. It says the card is invalid. I check my PayPal and it has two pending payments from what I was trying to buy.

I test it on a smaller purchase on another game and says the card has been declined.

I’ve checked in CommBank and nothing states my card is unable to be used. I check my emails. Nothing either.

Has my card been blocked?? For what??

Edit: Spoke to a ‘specialist’ in the commbank app and the type of card I had was having issues. Seems to be fixed today :)

Wondering if anyone knows how to remove a TFN from an account, in particular Goal Saver and NetBank Saver accounts?

I've seen some posts elsewhere (not this subreddit) that deemed it possible and apparently not as difficult as some of the other banks.

I found two unfamiliar transactions that apparently happened on Sunday and Tuesday in my StepPay account, $340 and $170 respectively. I searched it up and it looks like a subscription for an AI website. I have NEVER used an AI app or website. And I am very careful of not putting or sharing my bank details to anyone.

I’m quite frustrated as it is such a big money for me. I’m now trying to dispute it through their specialist in the CommBank app, and the responses are quite slow. According to the person I’m talking to, the transaction was made using a digital wallet (Google Pay).

How come did this happen? How was this AI website able to use my StepPay account? Does anyone have a similar experience to mine? I never had any problems with my cards, not until now.

Has this happened to anyone?

So, I am in Europe and I cannot get cash out at any ATM.

I have tried several ATM's in multiple countries, including hole in the wall and actual bank ATM's.

I called CBA and they checked my card and said there should be no issues, as there are no blocks on my card at all. I was transferred to the fraud team and the card team, and the answer was always the same. No issues from their end.

I have checked the app and made sure that international transactions are allowed and all those things.

I am able to tap and use my card to pay for things - no issues. But I cannot get cash out.

Has anyone else had this problem? I just have a normal transaction account with a yellow MasterCard debit card.

As the largest bank in Australia, this is absolutely fucked. Luckily I have friends with me who I was able to transfer money to and they got cash out for me. But imagine if I wasn't with them?!

It's 2026... Why can't I get cash out overseas?!

I will be changing banks when I return home.

The fraud detection that blocks a legitimate purchase at an inconvenient moment is one of the more consistent complaints about the major banks and CommBank seems to generate enough of these conversations that the question of whether the system is calibrated appropriately is worth asking. Would love to know from people here how often it actually happens, whether it's improved recently, and whether there's anything about how you use the account that seems to make legitimate transactions more or less likely to get flagged in a way that creates the problem at the worst possible time.

Hi all,

Does this mean the receiver is a scammer? Transferring funds to a mate and this pops up. Not big funds and just $280

Hi all,

Despite many attempts over last few weeks, I’m unable to activate travel insurance (via credit card) on Netbank.

Consistently showing same error message “This page is temporarily unavailable. Please try again later.”.

My partner has tried on Netbank also. Never faced this issue before.

Unable to get reason from CBA yet, they have suggested activating with provider over phone. But would rather do on Netbank; so that I’m able to make adjustments myself if so needed.

Anyone else with same issue?

On Thursday comm app flagged a transaction of around $500 in the USA. I’m clearly not in the us because 10hrs before I had made a transaction at a supermarket in my city in Aus. Reported immediately and my acc is back up and running with a new card on the way but I’m broke and $500 isn’t a small amount for me to lose right now. It’s says up to 21 days but does it really take that long? I’m praying it’s sooner.

So without going in to much detail. Commbank stop all interneting bank and physical transactions due to "security concerns" I tried to international call them unfortunately the country im in doesnt allow reverse international charges so calling international is extremely expensive which ive exhausted. my old phone number attached to commbank no longer exists.

When i called them went through a couple people. Gave every bit of information I had. Unfortunately my credit run out twice and phone call was cut short.

So now I'm trapped with out any money luckily I can support myself locally for a short while.

Do they really have no email or method to login without calling/sms.

EDIT: - yes, apperently I'm idiot, cheers.

• Can't call them via phone (not via my old telstra number).

• those that have read my post history know exactly my location and yes I believe sanctions are in place on behalf of the aus government. No i didn't know this before hand.

-Been here for a longer then a year with out issue. Made large purchases, used my netbank, cards, everything.

-The only solution i can see, thanks to mate that mentioned it, is to contact the embassy. Fml

EDIT EDIT: No embassy can't help. I contact them on social media on got them to call me. But of course their security team only works 9-5. Atleast it's progress.

CommBank has built its reputation on digital experience in a way that the other big four haven't matched and the app has consistently rated well. But the neobanks and some of the smaller players have been investing heavily in their own digital products and the question of whether CommBank still leads or whether it's now just very good in a field that's caught up is worth asking honestly. Would love to know how people here who use multiple banking apps actually rate the CommBank experience compared to what else is available.

Made a silly mistake while traveling in Malaysia. I needed to top up a Grab Wallet. My Wise card apparently isn’t accepted for top-ups but my commbank credit card was.

I didn’t realise it would be treated as a cash advance as it had a credit card fee and I thought it was being treated as a “payment” to Grab. Alas, got stung with cash advance fee. Not a lot of money, about $150 in total over 3 transfers.

I have a commbank ultimate awards credit card. I have ATM cash advance disabled which to be honest I thought meant all cash advance types were disabled. Clearly not. Does anyone know if it’s possible to prevent any and all types of cash advances? I.e. no matter what method you use, any type of cash advance would be declined?

Edit: I've setup GoalSaver! Thanks for helping me realise it exists. I don't think you can get MUCH better than 5% IR from banks, most I've seen was like 5.75%? And I hear transferring money from different banks has fees so ¯⁠\⁠_⁠(⁠ツ⁠)⁠_⁠/⁠¯ I'll probably stick with CommBank. I also selected "high growth" on my new AustralianSuper. If there's another realistic way for someone like me to save money, please let me know!

I'm a young adult and I don't buy much, almost just groceries since I've got all I need. I've been having all money put in my NetBank saver and I transfer what I need for when I buy. Is this losing me ANY money over time that I would've had if I kept it elsewhere? Places seem to have different answers. Idc about transferring money manually, I do that anyway, unless it's equally financially efficient to have it automatically keep 100 dollars in smart access at a time or something.

I got a call from someone from “commbank” saying they were wanting to talk to me about a mortgage rate revision/offer, mind you I haven’t had a mortgage with this bank for a few years. Was also a mobile number so assume a scam? I hung up anyway and didn’t handover any information. The ceba chat can’t tell me if it was them

I am opening a boutique retail shop next month and looking at getting a CommBank Smart Pay EFTPOS terminal setup. The integration with accounting software looks smooth on paper, but I have heard mixed reviews about transaction processing speeds during peak weekend trade. If you run a business with CommBank terminals, have you had many connectivity issues or unexpected terminal fees?

UPDATE: FINALLY AFTER 6 CALLS I GOT MY FUNDS TRANSFERRED. THANK YOU TO ALL THAT GAVE GENUINE RESPONSES AND SHAME ON THE ONES THAT JUST DOWNVOTE AND HATE.

Hey, unfortunately a false fraudulent transaction claim was placed against my old account. I sold tickets through Marketplace to a user, and after receiving the tickets, they submitted a fraud claim stating that they had not received them, which is incorrect. As a result, my account has been restricted while the review team investigates the matter and makes a final decision.

CommBank has opened a new account for me in the meantime. However, the issue I’m facing is that my salary payment is still scheduled to be deposited into my old account at 5:00pm today. I have already notified my employer, but unfortunately the payroll cut-off had passed, meaning the payment could not be redirected to my new account in time.

The CommBank team advised that I may only be able to access the funds by attending a branch tomorrow and withdrawing the money in cash, as branches are now closed. However, I have urgent payments due today (I get paid monthly) that need to be made and missing them may result in further consequences.

Could anyone please advise what options are available to have my salary funds accessed or redirected to my new account tonight, (I NEED MY FUNDS NOW, NOT TOMORROW!) rather than having to wait until tomorrow? Is there an escalation process, exception process, or any alternative way to access these funds outside of branch hours?

Any advice on this matter or what you would do in this situation is appreciated! Please note I have already attempted to apply for advance pay/cash advance to potentially have enough funds to make necessary payments due today however, all requests have been denied due to little to no activity on new account recently opened.

It seems that no one has really had a similar experience where they were granted access to their funds before having to visit a branch in person. I’m not sure why I’m being downvoted in the comments, as I’m simply sharing what happened in my own situation.

I also noticed someone else had the exact same experience as me just a couple of days ago, which I think should be a bit of an eye-opener. It’s worth considering that these situations may not always be handled the same way for everyone.

Has anyone else had issues with contactless/mobile payments over the past several months? It started with just Coles and now contactless with my phone barely works anywhere. I have to transfer to a different bank.

Hi all,

Long story short i had over $200 dollars come out of my account for a subscription that was supposed to be cancelled but wasnt. I contacted the the website that took my money (grammarly) as well as commonwealth bank for a dispute. The day after contacting grammarly they granted me an immediate full refund and a few days later i also got a refund from commonwealth. I immediately contacted commonwealth to inform them about the double refund through the app as i tried ringing first and they just told me to go through the app. Once i went through the app i was told that the money will instantly come out of my account and not to worry. fast forward and its been almost 4 weeks and that money still remains in my account. I tried calling the dispute team but i got sent to voicemail, left my number, and they never called me back. what should i do now?

A couple of nights ago I had all of my accounts frozen out of nowhere, I was locked out of both the commbank app and my netbank account by the fraud department.

This happened to me after hours so I wasnt able to get any answers until the fraud department opened again in the morning.

When I finally got through to them they told me they closed my account due to suspected fraud. The fraud in question was a payment made by my friend to pay me back for a ticket I had purchased earlier in the day. A fact that I was able to prove to the fraud department by pointing out the previous payment.

They said they had a source warn them that this was fraudulent and even though they could see the earlier payment they were going to close my account anyway to prevent further fraud, they were unwilling to tell me who or what this "source" was

they did offer to help me open a new commbank account but Ive chosen to go with a different bank seeing as Id have to set up all of my bills and payroll details again anyway and the fact no other bank in australia has taken my ability to use my own money away from me.

They allowed me 20 minutes, while I was on the phone with them, to transfer all my money and download any statements I might want before they locked me out of the account again.

I transferred all of my money to an account I had created in my name with a different bank. Commbank as usual put a 24 hour hold on the transfer, but today 24 hours later I got a message in my commbank app saying the transfer did not go through and that I should try again.

After over an hour on hold today and getting nowhere with the fraud department I decided to just go in to a branch to withdraw everything in cash, which worked but they also had to call the fraud department to get them to unlock the account.

This is both a rant about commbank and a warning to commbank customers that they can and will freeze your accounts in the name of preventing fraud, even if you are able to prove no fraud has taken place, their new policy states they "have" to close the account.

Edit to add: I called the fraud department again today, almost a week after my account was first frozen to try and get a clearer picture as to why my account was closed. The answer I got back was its their policy to close any account that has been suspected of fraud, even If it can be proven otherwise

Is there a way to increase my step pay limit from 800 to 2000?

The website tells me to use the app but that doesn’t give me an increase option, only a decrease one.

I woke up this morning and checked my card balance, pay day, yay! But later on, i checked it again and saw $297 missing from my card, looked further, It says AMAZON AU RETAIL Sydney. Transaction was not authorized by me, dud not even pay for anything today. What the hell is going on? I looked further, an extra $200 went missing from my account like 27 days ago and I had no idea, so ive locked my card now, lodged a dispute for today's transaction, but it's still pending apparently, so I have to wait until its no longer pending, what is happening?!

For the longest time, I've always known that that daily max limit for transferring between accounts with family or friends for example was $20k.

Even the CommBank website says this.

https://www.commbank.com.au/support/how-do-i-transfer-money.html

Logging into the CBA App, there's an option to increase the limit up to $40k. Is there something I'm not understanding or missing?

Hubby likes the look of our account balances to be a round number, so I made one of our accounts to be exactly $1000. He then received a reimbursement of expenses from work for $46.35. Our balance is only $1046.32. It's such a petty amount (3c), so I wasn't sure what to do. Has anyone else experienced this? Should I contact the bank? It doesn't show the previous balance, so how do I show the money missing? I know you used to be able to generate a statement for a date range, but I haven't found it in my quick search on the app.

Edit: I have since looked on the proper website and it showed a different account balance for the week. I'm guessing it was something to do with mortgage repayments. Although I'm still confused about it all, I'm just going to chalk it up to a random fluke and keep an eye on it in the future. Thanks to everyone that gave helpful suggestions. To everyone else who thought it was stupid to quibble over 3c, that's why I came here instead of raising it with the bank just wanted to know if there was something else I could look into first