r/CommBank

Secure checkout problems

When making any transactions involving "Microsoft Store" the secure checkout never works. I approve it through the app but it always says "awaiting approval". Does anyone know any fix or is microsoft and commbank just really shit

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u/Whole_Rutabaga_3292 — 1 day ago

Will I lose interest using 2 goal saver accounts?

I've been reading about moving your balance between 2 GoalSaver accounts on the 1st of every month as a way around the requirement of increasing your balance to receive the bonus interest. I have always kept a fair amount in NetBank Saver for unexpected expenses and investing, but the GoalSaver interest rate is obviously better so I decided to open a second GoalSaver account and give it a try. I would like to know if I will lose a days interest every month because the balance wasn't in the account for the full 24 hours on the first day. I'm also a bit worried if I transfer my entire balance in the morning on the 1st, and the bank calculates interest in the afternoon I would be starting the month with my entire balance instead of starting each month with $0 which is what is needed for this to work. That's why I'm thinking I may need to transfer on the 2nd of each month and lose 1 days interest. Does anyone know exacly how this works?

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u/Singal_Meaning — 3 days ago
▲ 10 r/CommBank+1 crossposts

Commonwealth Bank Australia Shares Advice

Hi, I am hoping People can help me with this matter.
 
My mother passed away in December 2025 and when I went through her paperwork, I found this share certificate for what appears to be 272 shares in the Commonwealth Bank Australia but they are still in my father's name who died in 2017. It seems that he purchased these shares sometime in the 1990s on the advice of his accountant as he was self-employed at the time and they appeared to be a better option than saving his money in a building society or bank. Obviously, she never transferred these into her own name after my father died but the account was definitely still active very recently as I have seen dividend payments (albeit very small ones) on her bank statement (which was once their joint account). I don’t remember my dad ever writing a will but I do know that everything he owned passed straight to my mum when he died.
 
We did discuss these shares (amongst others that are in her name) a few years ago when she was still alive but she didn't really know what to do with them and I never had time to pursue this at the time. My mother was not tech savvy and just kept saying to me that I apparently needed to “go online” to change them into her name. The only other paperwork I have for this is some paper statements that came annually. As she got older, she was reluctant to discuss finances much at all.
 
My question is: does anyone know what I need to do to close or liquidate this account? Can I just sell them back to the bank? Do they need to be transferred into my name first etc etc?
 
It seems that these shares are now administered by MUFG corporate markets limited in Australia though I'm sure they would have been purchased in the UK. I have emailed them once or twice but every e-mail takes two weeks to receive a reply and they seem to think I just want to transfer them into my name. I have two siblings so the ownership of these shares in theory needs to be split between the three of us and it would appear that the price for individual shares waivers around the $165AUD mark but I could be wrong about this as UK based shares seem to be priced in pence rather than pounds though as I read it these shares are priced in Australian dollars. I'm really just at a loss as to how to deal with this as I know very little (if anyone about stocks shares etc) so any advice would be gratefully received.  

u/RebelMurry — 3 days ago
▲ 119 r/CommBank

Application Killer

A lot of clients ask me what a bank would be most concerned about in their accounts statements.

It’s not Uber Eats - it’s gambling.

We are seeing more and more clients with substantial habits and it’s killing loan applications.

Even if it’s not entirely clear you are gambling - if you are withdrawing money from ATMs at pubs, casinos etc they are going to make the assumption.

If this is you - register for Bet Stop and seek some assistance to kick the habit.

*** FYI I do not work for a bank, simply posted to help spread a message.

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u/ausfirsthomecoach — 6 days ago

Random fee?

Can anyone tell me what this fee is for? i’ve never had a feel like this before.

u/salemcanning — 5 days ago

Help me out please

I’ve had my commbank card for about a year now. I’ve used it for purchases and I’ve received money into my account through bank transfers without any issues. Today I tried using an ATM, and after inserting my card it showed this. I’ve never deposited cash at an ATM before, so I’m not sure if that’s related or if it’s something else entirely. Does this mean my card is blocked or something??

Edit: GOT IT FIXED

u/Miku_6969 — 7 days ago

Got fraudulent charges on step pay

These charges happened last night.

I disputed it with commbank, the charges are still pending will the charges be cancelled? Thanks

u/Joshbc2304 — 9 days ago

Netcode sms

hi this might be stupid question but I only recently opened my bank account with commbank as an intl student. However, whenever I try to log on into the app no sms netcode was being sent to my phone number 🥲. I logged onto my netbank on a browser, hoping that it might be there but there aren't any codes being sent either.

Could this be an easy fix or should I just go to the branch?

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u/diaryhea — 6 days ago
▲ 4 r/CommBank+1 crossposts

BPI deposit machine issue

May naka experience ba sa inyo kinain ng machine yung deposit. Nag try ako mag deposit thru machine then nag return yung money pero kulang. Di ko kinuha since kala ko mag lalabas pa sya ulit pero nag close then nag end transaction without receipt. Nireport ko agad sa loob ng branch wait daw ako 3-5 days and after 5 days ang sabi di daw nila makita yung transaction sa system. Pwede ko ba irequest ang cctv nila that day? Nakaka frustrate imbis na mapabilis lalong tumagal. Hassle sobra

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u/Salem066 — 7 days ago

Problem with iPhone app

Lately every time I open the app the accounts are disorganised.

I go into settings and reorder them, but the next time I open the app they’re in a random order again.

Anyone else having this issue?

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u/skup — 7 days ago

YouthSaver Account

My child already has a YouthSaver that we opened when they were born. They’re now a teenager (14), and have a job, and they want to keep their personal savings separate from the original YouthSaver we manage for them.

Does anyone know if a child is allowed to have more than one YouthSaver account, or is it strictly one per person?

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u/urfavViona — 10 days ago

To the Product Manager for CommSec Web Platform

Please for the love of all things good, stop messing with the Watchlist.

There have been some of the worst, non-sensical updates made over the past 12 months. Just stop. You're out of touch with your user base.

Absolutely nobody wants to see the date they added a stock to their Watchlist over and above Sensitive Announcements for a stock.

Yeah there are editable columns and you can remove those, but please just stop.

Also, the Announcements are no longer a table of links, and instead are a price chart I have to hover over to read the title? Who on earth thought that was better?
Bring back the table on the Stocks Announcement chart before sundown.

Clearly the incentives driving features and platform development are wrong, because stupid things keep being added to the platform.

We've endured random numbers of decimal places for share prices, low contrast green text displayed on grey backgrounds. Who is overseeing UX there?

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u/SINK-2024 — 10 days ago

Is this fair from comm bank?

Hey guys

I'm not sure if this is the correct place to ask this but really need some advice, I recently underwent a medical termination without telling my dad, my ex partner contributed half and I paid for half I had to prepay for it so at the time I used my bank card and my boyfriend just gave me the cash which I used to pay rent, last night I got a notification saying my account has been locked and I need to attend a branch which I did this morning.

comm bank have explained to me that because my account is a joint account with my dad he has the power to lock it from his app, I rang him in front of the manager to try to understand wtf was going on and he started abusing me obviously the manager left and he explained his issues with what I have done and he is not supporting me that's it he hung up and appears to have blocked me, comm bank can't do anything they won't even let me withdraw the funds Centrelink paid to me yesterday, I cannot afford to feed myself or my cat we haven't eaten since yesterday, I'm still bleeding from surgery and can't afford period pants :( all comm bank did was open a new account solely in my name didn't offer to transfer the funds that are legally mine or support me obviously Ive now changed my payment details for my student payment and opened a new account, does anyone know if I can complain to ASIC or some financial people to get access to my money I'm in an extremely crappy situation :(

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u/OpeningPhotograph581 — 13 days ago

Commbank safe lock screen

I can’t access my bank because I have been getting this window for the past two days. I haven’t screen recorded in months and have been able to access my app since then. I’ve also closed out all of my background apps and it is still doing it. What can I do? Should I be worried?
And should I not be using my other banking for this reason?

u/Livid-Service5609 — 13 days ago

CommBank Low Rate cashback not received yet

Hey, I got the CommBank Low Rate credit card with the $70/month cashback offer. I spent about $709 last month, so I should be over the $500 eligible spend requirement, and I’ve already paid the statement in full. The app says “Last statement paid in full,” but it’s now 26 June and I still haven’t received the $70 cashback or seen anything marked “CASHBACK” in transactions.

I know the terms say it can take up to 90 days after the eligible statement period ends, but just wondering if this timing is normal or if I should contact CommBank.

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u/AngryMcYeti — 10 days ago

Home Loan application; Is digihldocs@cba.com.au a legitimate email address?

I'm currently in the process of applying for pre-approval for a Comm Bank digi home loan, started the application through the app, then had a phone appointment. I now need to upload identity verification documents, and income documents.

I've just received emails from digihldocs.cba.com.au asking for these documents.

I just googles this address, and google AI seems convinced that it is not legitimate and says

>The email address digihldocs@cba.com.au is not a legitimate Commonwealth Bank (CommBank) address and is widely flagged as a phishing scam. CommBank does not use general email addresses for customer correspondence and will never ask you to send personal or financial documents via email.

Has anyone else applied for loans through digi home loan, and is this the normal process? Or should I ignore this email and attempt to upload the documents through the comm bank app instead?

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u/khdownes — 11 days ago

Credit Card Limit $4,500, Flights Cost $5,500 – Best Option?

Hi all

​

I'm looking to book international flights costing around $5,500, but my credit card limit is only $4,500.

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I could request a credit limit increase, but I'd prefer to avoid any impact on my credit file for a one off purchase.

​

Has anyone in Australia successfully overpaid their credit card (for example, deposited an extra $1,500 into the card) and then used it for a purchase above the credit limit? My credit card has travel insurance and hence keen to buy through credit card,else I could've bought tickets using debit card.

​

Also, are there any payment methods or services that provide complimentary travel insurance similar to credit cards, or would I be better off buying standalone travel insurance?

​

Interested to hear what others have done in a similar situation.

​

Thanks!

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u/CodeRevolutionary240 — 14 days ago