Everyday accounts · Side by side
CommBank Smart Access vs Up
CommBank Smart Access and Up Everyday Account, side by side on what a year of spending costs in bank fees.
vs
Compare on
A year's bank fees
$237
$4 a month, waived on these answers
$0
No monthly fee
Up costs $237 less a year than CommBank Smart Access on this spending.
Spent overseas a year
Cash withdrawals overseas a year
Paid in a month
Until you set them, priced on $5,000 spent overseas, 4 withdrawals of $300 and $2,000 paid in a month, as the leaderboards are.
Commonwealth BankCommBank Smart Access
UpUp
Figure by figure
Monthly fee
before any waiver
$4
Waived on your answers. Waived when: Under 30; You have a disability that requires you to use a branch (visit a branch to apply).; or 5 more
$0
No monthly fee
$4 less · Lower monthly fee
Fee on spending overseas
a purchase in another currency
3.5%
No fee
Mastercard's rate, with no Up markup
3.5% lower · Lower fee overseas
This is the bank’s own fee. The ATM’s owner may charge its own fee on top, which banks don’t publish, so it isn’t counted.
Overseas ATM
the bank’s own fee
$5
When you take money out at ASB ATMs in NZ or CommBank ATMs outside Australia.
No bank fee
$5 less · Lower overseas ATM fee
Another bank’s ATM here
in Australia
—
Not published
—
Not published
Phone and watch payments
Apple Pay, Google Pay, Samsung Pay, Garmin Pay, Fitbit Pay
Apple Pay, Google Pay, Samsung Pay, Garmin Pay, Fitbit Pay
Card
Debit Mastercard
Not stated
PayID
Yes
Yes
Joint account
Not stated
Not stated
Who can open it
Any age
16 and over
Government guarantee
the Financial Claims Scheme
Yes
up to $250,000, as a bank
Yes
up to $250,000, as a bank
As of 26 October 2026, on a year of $5,000 spent in other currencies, four $300 withdrawals at overseas ATMs and $2,000 paid in each month, CommBank Smart Access costs $237 in bank fees; Up Everyday Account costs $0 in bank fees. Fees are the providers' own, from Open Banking or their pricing pages, worked out on the answers above. Each row says which figure is lower, nothing more.