There’s a lot to consider when comparing investment options between funds. Actual returns will vary significantly from year to year and could be negative in some years, particularly for investment mixes where more is invested in shares and property. Any income from other investments is not included in an estimate of total income. The total income used by the calculator to estimate if you qualify for a low income super tax offset is equal to your salary before tax and before any salary sacrifice.

Investment return expectations are based on actuarial firm Willis Towers Watson Global Asset Model outlook as at August 2025. Customers must not divert sales from PayPal while the loan is outstanding, and a minimum level of repayments is required. PayPal sales history, account behaviour and other criteria are used to determine eligibility and any loan value offered. Terms and exclusions apply to the Fraud Protection tool.

Help and Support

We’re here to help you through your claim, with the care and support you need at this challenging time. Here’s what some of our customers had to say about our claims service.2 Our caring claims team is here to support you throughout your claim. When making a Compulsory Third Party (CTP) claim, you’ll receive the care and support you need from our team.

We do not provide any form of advice if you call us to enquire about or purchase a product. Terms, conditions, limits, and exclusions apply. Any advice here does not take into account your individual objectives, financial situation or needs. Explore our Help page for questions about your policy, claims, payments, and more. These documents explain the standard terms, conditions, and exclusions.

• Actual experience will be based on account activity.
• The ANZ App will help you manage your money and get life admin sorted.
• Our ANZ specialists offer personal and business banking support for things that matter to you, such as buying and owning a home, starting and growing a business or reviewing your insurance and investment needs.
• Our bankers can help you access cash at our on-site Smart ATMs and also assist with using our safe and secure digital solutions.

Our bankers can help you access cash at our on-site Smart ATMs and also assist with using our safe and secure digital solutions. Meet with one of our bankers for personalised support in the moments that matter, such as buying a home or starting a business. Our bankers can help you access cash at our on-site Smart ATMs and assist with using our safe and secure digital solutions. These are located in many metropolitan areas to enable our customers to better connect with dedicated bankers in a comfortable setting, for even more personalised support and assistance. You can also speak with one of our specialists at a time that suits you, by sending us a message in the ANZ App, phoning our team, booking an appointment in a branch, Specialist Hub or Business Cash Hub, or meeting with a mobile lender.

Alternatively, you may wish to get independent advice from a union, employer association or lawyer on your particular circumstances. When considering information available through this tool about awards you should also have regard to the terms of the relevant award, which can be found through our Awards page. This is because, for example, there may be online pokies a delay between when a change takes effect, and when the information available through this tool is updated.

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Any tax information described is general in nature and it is not tax advice or a guide to tax laws. You should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice. You can also make smaller payments every week, instead of one big payment each month.

You can lock in exchange rates for a wide range of currencies, pay no international transaction fees, access 24/7 emergency support and use it everywhere Visa is accepted. The CommBank Travel Money Card is a simple and secure prepaid card that makes it easy to manage your travel budget while you’re travelling. Some merchants may offer to convert your payment into your home currency and charge high fees for this service. Brought to you by NAB, MyCard offers a range of credit cards to suit your lifestyle. RAA do not provide any advice based on any consideration of your objectives, financial situation or needs. Our comprehensive car insurance offers the most cover.

Our location software recognises Internet Protocol addresses (IP addresses) that are used by Internet Service Providers based in Australia and our approved locations.

To adapt to these new ways of banking, we’re making changes to some in-branch services and assessing our presence in some locations. With wheelchair-accessible services, braille signage and parking (where available) for people with disabilities, we make banking easy for all our customers. As the official home of Australia’s Lotteries we’re unable to offer our services outside of our approved locations. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. All travel products and offers from Travel Booking are subject to availability and can only be booked by eligible CommBank cardholders.