Commonwealth Bank Limits Guide 2026
If you need to send or receive a high value payment, understanding the relevant Commonwealth Bank transfer limit for your account type is important. In fact, Commbank limits are set with defaults for digital payments which mean you can’t send an overseas payment without adjusting your app settings first.
Read on to learn about the Commonwealth Bank daily transfer limit, how you can alter it to send money abroad, and some smart alternatives, like Wise and OFX. Digital providers like these can help if your international payment exceeds the Commonwealth Bank transfer limit for your account, offering secure transfers with low fees.
Quick summary: Commonwealth Bank limits
- Commonwealth Bank sets the default digital international transfer limit to zero, so to send any overseas payment online you’ll need to adjust your account settings
- You can adjust Commonwealth Bank limits online to send up to 5,000 AUD – and you can call the bank to set your limit to as much as 50,000 AUD as long as you are registered for NetCode SMS
- International transfers with Commonwealth Bank have no fee for digital payments, or 30 AUD for transfers you arrange in a branch – exchange rate markup fees may also apply
- You can track international payments easily in the CommBank app once you’ve started your payment
Commonwealth Bank limits
The Commonwealth Bank transfer limits which apply to your account depend on the transaction type you want to make and how you’ve set up your account. For security reasons, CommBank has very low default limits for digital payments, which you can only change once you register for additional SMS verification steps. Let’s take a closer look.
Commonwealth Bank transfer limits
CommBank has different limits depending on how you set the limit for the specific payment type. If you need to make a higher value payment which exceeds the maximum transfer allowed, you may still be able to do so in a branch, but higher fees are likely to apply in this case.
Here are the Commonwealth Bank transfer limits for digital payments:
| Payment type | Maximum limit you can set online | Maximum limit you can set by calling the bank |
|---|---|---|
| Transfer between Commbank accounts in your own name | No limit | No limit |
| Transfer to unlinked domestic accounts | 20,000 AUD | 100,000 AUD |
| BPAY (bill payment) | 100,000 AUD | 2 million AUD |
| International Money Transfer (IMT) | 5,000 AUD | 50,000 AUD |
*Details correct at the time of research – 13th April 2026
Commonwealth Bank account and card limits
There’s not usually a limit to the amount of money you can hold in a Commonwealth Bank account. However, you’ll find a limit applies to the amount of money you can withdraw using your linked bank card. For debit Mastercards issued to personal customers the limit is 2,000 AUD/day for cards issued after 2015. Business cards have the same limit.
Alternatives to Commonwealth Bank with high limits
Commonwealth Bank digital transfer limits are quite low for overseas payments, capped at 50,000 AUD once you have set and activated all your security features. While you may be able to send more in a branch, this costs more – fees of 30 AUD apply, on top of any charges built into the exchange rate.
Instead, let’s look at some Commonwealth Bank alternatives for high value digital payments with low fees and great exchange rates. Here’s a summary, and we’ve got more on each coming up right after:
| Providers | International transfer limits | Account holding limits | Card usage limits | Withdrawing limits |
|---|---|---|---|---|
| Commonwealth Bank | Digital limit of 50,000 AUD when registered for NetCode SMS | Usually unlimited | May depend on specific linked account | Usually 2,000 AUD/day |
| OFX | Usually unlimited | Usually unlimited | Account owners can set card limits | Not available |
| Revolut | Limits depend on payment type and are shown in app
Wire transfers: 25,000 GBP or equivalent per 7 days |
Usually unlimited | Set a monthly limit in the Revolut app | 3,000 GBP or equivalent per day |
| Wise | Up to 5 million AUD or more depending on payment method | Usually unlimited | Limits available in app | Limits available in app |
*Details correct at the time of research – 12th April 2026
OFX
OFX is a provider which offers international money transfers, including a 24/7 phone contact option. You can send payments to 170+ countries, and there’s not usually any OFX limit on the amount you can transfer. OFX waives its transfer fee on personal payments of 10,000 AUD or more, with a fee of 15 AUD for personal payments under this amount. Business services vary, and depend on the package you sign up for.
- OFX supports personal and business payments to 170+ countries
- High value personal transfers over 10,000 AUD have no transfer fee
- Arrange your payment online, in app or by phone
| Service | Limits and fees |
|---|---|
| Outgoing international transfer limit | Usually unlimited |
| Outgoing international transfer fee | 15 AUD for personal transfers under 10,000 AUD in value
10 AUD for business payments |
| Exchange rate | OFX rate – may include a small markup |
| Incoming international transfer limit | Usually unlimited. Service available for business customers only |
| Incoming international transfer fee | 0 AUD – 5 AUD. Service available for business customers only |
*Details correct at the time of research – 12th April 2026
Revolut
Revolut Australia has several different account tiers which include personal plans with no monthly fees, and some with ongoing charges which unlock additional features. You can send payments which have variable fees depending on your plan type, and all accounts qualify for some weekday currency conversion which uses the Revolut rate without additional fees. If you convert currencies beyond your plan limit you may pay a 0.5% fair usage fee, and out of hours conversions attract a fee of 1%.
- Choose from different plans, including some which offer a discount on Revolut transfer fees
- Send to 160+ countries in 40+ currencies
- Usually no limits apply on incoming transfers
| Service | Limits and fees |
|---|---|
| Outgoing international transfer limit | Transfer limits depend on payment type
Wire transfers have a weekly limit of 25,000 GBP or the equivalent in another currency |
| Outgoing international transfer fee | When sending payments in the local currency of the country:
0.15% – variable minimum fee applies, maximum fee of 500 AUD
When sending in a currency other than the currency of the country:
Maximum charge of 4 AUD – 8 AUD flat fee
Some plans offer discounts on transfer fees |
| Exchange rate | Standard plans – weekday conversion uses the Revolut rate to plan limit, then a fair usage fee of 0.5% begins
1% out of hours fee applies |
| Incoming international transfer limit | Usually unlimited – if a limit applies based on your account type and the currency involved, you’ll see it in the app |
| Incoming international transfer fee | No Revolut fee |
*Details correct at the time of research – 12th April 2026
Wise
Wise is a specialist provider in sending international payments, and also offers ways to receive incoming payments in a selection of foreign currencies. Wise has high limits which allow you to send up to 5 million AUD per transfer, and converts your AUD to the currency required for deposit using the mid-market rate.
There’s a dedicated Wise large transfer support team on hand if you need help sending a larger payment, and you can get an automatic discount on payments of 40,000 AUD or more.
- Mid-market exchange rates and low fees for overseas payments to 140+ countries
- Discounts available when sending 40,000 AUD or more over the course of a month
- High payment limits up to 5 million AUD+ per transfer
| Service | Limits and fees |
|---|---|
| Outgoing international transfer limit | Bank transfers – up to 1.8 million AUD
Card – up to 18,000 AUD
PayID – up to 50,000 AUD
RTGS – no limit
Wise account – up to 5 million AUD |
| Outgoing international transfer fee | From [NumberWiseFee] with discounts on payments over 40,000 AUD |
| Exchange rate | Mid-market rate |
| Incoming international transfer limit | Usually unlimited – receive with local details in 8+, and with SWIFT details in 20+ currencies |
| Incoming international transfer fee | No fee to receive with local currencies
Low, fixed fees apply to receive SWIFT payments and USD wires |
*Details correct at the time of research – 12th April 2026. Check our Wise limits guide for more information
How long do large transfers take with Commonwealth Bank?
Commonwealth Bank international transfers usually take 1 – 3 days to arrive once they’re processed. To allow your payment to be processed on the same day you make it you’ll need to meet the bank’s cut off time, which varies by currency and can be as early as 10.30 in the morning. Payments made after the cut off, or on weekends and public holidays will only start to be processed on the next working day.
Once you’ve sent your international payment with CommBank you can track it in the app using the Unique End-to-Tracking Code (UETR) – the 36 character code that’s shown on your payment receipt.
Commonwealth Bank customer support for high amount transfers
The fastest way to get help with Commonwealth Bank is using the CommBank app. Here you can get automated help from CommBank’s Ceba service 24/7 – or connect with a specialist if you need some more support.
If you’d prefer to call the bank you can also do so on:
- 13 2221 from within Australia
- +61 2 9999 3283 if you’re abroad
Commonwealth Bank business limits
If you have a Commonwealth Bank business account you’ll have access to either NetBank or CommBiz for your digital transactions. Generally NetBank is aimed at smaller businesses and sole traders while CommBiz offers more advanced features for larger and more established businesses.
The digital payment limits which apply to your Commbank Business account depend on which service you use. Generally, with CommBiz there’s no limit on payment values, while NetBank has international transfer limits of 100,000 AUD daily, and a cap at 250,000 AUD for domestic transfers.
Conclusion: Does Commonwealth Bank have limits?
Commonwealth Bank has limits for different payment types and sets the default digital international transfer limit for new accounts to zero. If you want to send an overseas payment online you’ll need to adjust your account settings which you can do digitally or by phone once you get registered for NetCode SMS.
The highest available Commonwealth Bank limit for digital payments overseas is 50,000 AUD for personal customers. You may be able to send more than this in a branch, but a fee of 30 AUD will apply.
Instead, why not consider dedicated digital providers like Wise and OFX which have payments you can set up online or in app, with low fees and competitive exchange rates. Compare your options before you send your next Commonwealth Bank payment to see which works best for your specific needs.
Commonwealth Bank international transfer limits FAQs
How much can I transfer with Commonwealth Bank internationally online?
The Commonwealth Bank limit for digital payments overseas is 50,000 AUD, available once you register for additional security and call the bank to raise your default limits.
What is the maximum amount you can transfer abroad with Commonwealth Bank?
You’re likely to be able to send a higher value international payment in a Commonwealth Bank branch, but a fee of 30 AUD will apply, as well as any exchange rate markups which can be added depending on the currency you’re sending to.
How can I increase the Commonwealth Bank maximum transfer limit?
You can increase the Commonwealth Bank maximum transfer limit for overseas payments to 5,000 AUD in the CommBank app or online, or up to 50,000 AUD by calling the bank to complete the required security step.
