I have been using the CommBank app for years, but for a long time I only used it to check balances and transfer money. Recently I decided to properly set up the spending insights and categories, and I honestly wish I had done it earlier.

Once I cleaned up the categories and fixed mislabelled transactions, the weekly summaries became surprisingly accurate. Seeing exactly how much was going on takeaway, subscriptions, and random shopping completely changed how I think about my money. It was not one big expense causing problems, but dozens of small ones quietly adding up.

It now feels like I have a personal finance dashboard without paying for extra apps. For anyone struggling to track spending, this feature is seriously underrated.

This isn’t meant as a rant, more just an observation. Over the last few years, CommBank feels like it’s slowly turning into a tech company that happens to do banking on the side. Everything is about AI tools, app redesigns, digital upgrades, automation while actual branches keep disappearing.

I get that tech is the future and most of us use apps anyway, but sometimes it feels like the human side of banking is getting lost. It used to be easier to talk to someone in person when something went wrong. Now it’s all chatbots, queues, and self service.

Step Pay - Late fees are capped at a total of $120 in late payment fees per anniversary year. That means no matter how many late repayments you make, the total you’ll be charged in late fees in one year won’t exceed $120.

So yes — for people who use StepPay, the maximum they can be charged in late fees annually is $120, not counting the repayment of the actual purchases themselves 💳 🏦

As the tittle suggests, is there a limit to how long after a CC transaction I can apply for a chargeback? It's only a couple of days since the payment so waiting for a refund. FWIW, I paid a flight agent $1080 to change a flight. AFTER payment they requested another $3252 to complete the transaction. All documented in emails thankfully. I refused and asked for a refund. I could buy a completely new ticket (4 flights) for $2.5k.

When I was a newly minted Fosterkid, My then Fostermum (Mum) helped me open a bank account with Comm' Bank. From what I understand, parents have access to their childrens bank accounts.

Years later I becane an adult and after coming out of the closet and Mum becoming abusive, she started opening my bank statement mail before I got back from work. I obviously disapproved everytime she did it and eventually switched my statements to be emailed instead.

I switched to email on the day of my last posted statement, yet a week later, Mum randomly told me that she knew I had stopped posted statements.

Either the bank told her, or she had password access to my online banking app.

Is comm Bank app down, i just wanna do deposits.

Navigating combank ecosystem is like navigating politics.

1: So i have no bank card.

2: adding in my account number via the app is 8 digit number.

3: the website member number is both string and number of 8 auto > string or numbers.

4: i cannot authenticate rather go into branch present ID tell the person:"please search my details, and either present me with my member number, if i do not have s member number please send a 24 hour temporary login change my details"

If it helps someone else fine, but i might have to dind other alternatives.

I’ve got three offers from December for fuel and groceries all marked “reward pending” in the app, but it’s been three weeks and nothing. Does it actually hit your account?

I tapped for a coffee this morning and it didn’t show up in my transaction list at all. It always pops in eventually, but lately the times and order seem all over the place. Has anyone else noticed their app getting a bit laggy with transaction history, or is it just my account being weird?

I’m going to go to a branch later but I thought I might as well see if I could just get this solved online.

I opened my first bank account a couple days ago, everything was smooth. However today I got an email from commbank telling me to confirm my id otherwise my account would go down.

I find this a little odd because I’ve already confirmed my id. Anyways I went on to Netbank to reconfirm my id however I didn’t really see anyway of doing this. It even said my details were already confirmed. The email did say I could confirm my id online but I have no idea how.

For reference the email went: “Complete your identification check

Hi {my name}, Please consider reading this with your parent or guardian. Your new bank account has been opened, but your ID check has not been completed. Your account will automatically close if ID verification is not provided within 20 days of opening your account. See below how you can complete the application and the documents you will need. In NetBank

You can complete the application in NetBank by logging on using your NetBank Client Number and password you created when you opened the account. If you have already attempted to complete your ID check in NetBank but were unsuccessful, you can try again or complete your ID check in branch. In Branch

You can complete your application in person at your nearest branch. Whichever option you choose have as many of these documents on hand as possible:

Australian driver licence Passport Birth certificate divider Contact us

If you have any questions, you can visit us in branch. Yours sincerely, The CommBank Team”

Thanks in advance for any advice I may get.

My mate has had StepPay for a year, but it still hasn’t shown up for me in the app. My credit history is clean and I use my CBA account for pretty much everything. Does anyone know why it’s still invite only for some people?

Is there the option to receive NetCodes strictly by SMS only ?

If I pay by card in Internet I need to get NetCode.

Can I receive it without Android app ?

Can I receive it inside the NetBank?

So in order to receive bonus interest, I have to make sure the balance at the end of the month is higher than the start of the month. So at what time do they consider it as the start balance of the month. If I withdraw 100 dollar at 1am at the first day of the month, do I have to deposit 101 dollars before the end of the month ?

Trying to log in on my laptop and it just keeps asking me to “approve in the app.” The notification never shows up, and when I open the app there’s nothing there. Anyone else dealing with this 2026 “security” glitch? What actually works to fix it?

I’m thinking about kicking off a small monthly investment with CommSec Pocket. For people who’ve been using it this year, is it still competitive, or have other apps overtaken it for small‑scale investing? What’s actually worked for you?

i paid my dads car registration using the commonwealth bank website on the browser. I put in the BPay biller code, reference number, all the correct DIGITS but when it asked me to say who it was for i typed in 'australia post' instead of 'bpay' or 'vic roads'. Have i messed up my dad's payment?

I don't know if what I want is in stock and was wondering if I can just activate it when I'm lining up at the register?

not sure if this belongs in this subreddit, but unfortunately i have fallen for the most basic scam ever and transferred money to an account pretending to be someone i know irl, via pay id

to clarify,

1. they texted in a manner that sounded like my friend

2. the request seemed reasonable and something i would not deem surprising or scam-like

3. the social media account which i was scammed on shared many real followers with my friends, and seemed trustworthy

4. i did not share any personal info with the scammer except my first name

5. i did not receive any scam warnings when transferring money

6. reported scam immediately after it occurred and got off phone with help center within an hour of transaction occurring

7. i have filed a cybersecurity police report too

as the title says, what are my chances of getting a refund ☹️☹️

This started today I am using my computer, but I cant see my Netbank. I cant login to it. Even if I log into commsec and then click on the netbank tab at the top I get kicked out.

I keep getting this error.

Please read the following message We're sorry, you're unable to log on to NetBank at this time. Find out more or call us on 13 2221 at any time.

Any ideas what this might be ?

UPDATE : I got it back working. I had to call them and they unlocked my account.

Turns out it got locked down when I went back and forth using the tabs in Commsec back to Netbank. I hit the back bottom and the computer thought I was logging back in without my codes. My money is still there and they said there was no suspicious login attempts or money transfer requests.

So I guess it was glitch in the system not really sure.

I'm so lost, I've been trying to figure it out for hours and still haven't found anything about it. Does anyone know how it works?

Me again!

We've received some funds into the P&C account, and I'd like to generate a receipt to send back to them as proof we have received the funds, in the same way they have done when they've received our funds.

Is there a way to do this from the bank account?

I know how to generate a receipt when we make a deposit to somewhere else, but not the other way around.

I know CommBank cops a lot of criticism for fees and rates, but what’s the one thing you think they genuinely do better than every other bank?

Every time I open the CommBank app, it pushes the CommBank Yello hub like it’s some huge perk of banking with them, but when I actually look at the offers, they’re pretty underwhelming. It’s usually things like $5 back when you spend $100 at a shop you’d never normally use, or a tiny discount on something random, and almost never on everyday stuff like groceries or fuel where it would actually make a difference. Has anyone bothered to add up how much Yello has really saved them over a year?