CommBank AdvancePay
$5 est.
- Model
- Consumer-direct (bank product)
- Employee fee
- $5 per $500 (about 1%)
- Interest
- None (14.90% p.a. only if overdue)
- Max advance
- Assessed individually
- Repayment term
- By next pay
- Cost of advance
- $5
CommBank AdvancePay
Bank pay advance for CommBank customers, $5 per $500 with no upfront interest.
- Model
- Consumer-direct (bank product)
- Max advance
- Assessed individually
- Interest
- None (14.90% p.a. only if overdue)
- App (iOS)
- 4.6 / 5
Best for
Best for existing CommBank customers
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Setup fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Setup fee
- Free
Contract terms
- Contract length
- No contract
Last verified 21 May 2026.
Strengths and trade-offs
Pros
- Low $5 per $500 fee (about 1%)
- Instant access for CBA customers
- No upfront interest
- Backed by a major bank
Cons
- Only for existing CommBank customers
- 14.90% p.a. plus $15 fee if not repaid on time
- Limit assessed individually
About CommBank AdvancePay
CommBank AdvancePay is a pay advance product for existing Commonwealth Bank customers who have their salary paid into a CBA transaction account. It charges $5 per $500 borrowed (an effective 1%) with instant access and no upfront interest. If the advance is not repaid when pay arrives, a 14.90% p.a. interest charge and a $15 overdraw fee can apply. CommBank assesses each customer's limit individually. As a bank product it is not employer-integrated and is only available to CBA customers.
CommBank AdvancePay was founded in 1911 and is headquartered in Sydney, Australia.
How CommBank AdvancePay compares
Side-by-side with the closest alternatives by estimated cost.
Based on a $500 advance repaid in 7 days.
Employment Hero EWA
$8 est.
- Model
- Employer-sponsored
- Employee fee
- 1.3% (Swag Wallet) or 1.5% (bank account)
- Interest
- None
- Max advance
- Up to 50% of earned wages
- Repayment term
- Next pay run
- Cost of advance
- $8
Beforepay
$25 est.
- Model
- Consumer-direct
- Employee fee
- 5% flat
- Interest
- None
- Max advance
- Up to $2,000
- Repayment term
- Up to 62 days (4 instalments)
- Cost of advance
- $25
MyPayNow
$27 est.
- Model
- Consumer-direct
- Employee fee
- 5% of advance
- Interest
- 24% p.a.
- Max advance
- Up to $2,000 (25% of wages)
- Repayment term
- Up to 62 days
- Cost of advance
- $27
Common questions about CommBank AdvancePay
The same questions Australian merchants ask before signing up.
CommBank AdvancePay does not publish a standard rate in Australia. Pricing is quoted based on your business size, industry, and card mix. Request a quote on their site, or use our free fee calculator to compare against providers that do publish rates.
CommBank AdvancePay does not require a lock-in contract for Australian merchants. You can switch providers at any time without an exit fee.
CommBank AdvancePay settlement times are not publicly listed.
CommBank AdvancePay AMEX pricing in Australia is not publicly listed. Ask their sales team whether AMEX acceptance and rates are included.
CommBank AdvancePay does not advertise least-cost routing for Australian merchants. If you take a lot of contactless debit, compare against providers that do support it on our comparison page.
CommBank AdvancePay is best suited to best for existing commbank customers. To see how it stacks up for your specific volume and card mix, try our free fee calculator.
We may earn a commission when you click through to CommBank AdvancePay and sign up, where a commercial arrangement is in place. This never affects ranking, the data we publish, or the comparisons we make on this page. Read our terms for the full picture.
We may earn a commission when you click through to a provider. This never affects ranking or data shown. Read our terms.
Compare CommBank AdvancePay
Compare CommBank AdvancePay against every other Australian provider on price, contract terms, and features.