Can I use my Commonwealth debit card overseas?

Yes, you can use your Commonwealth Bank Debit Mastercard abroad, both to make payments in stores and to withdraw local currency from ATMs—subject to daily limits and applicable fees.

Usage Locations

• You can use your Debit Mastercard internationally wherever the Mastercard, Cirrus or Maestro logo is displayed.
• Pay at millions of merchants worldwide and withdraw cash at ATMs—including in Europe, Asia, the Americas and more.
• This includes payments online, in-store and ATM withdrawals using local currency.

Withdrawal & Spending Limits

• Your maximum daily ATM withdrawal and point‑of‑sale spending limit is typically A$2,000 (or foreign currency equivalent), depending on when the card was issued.
• Cards issued prior to February 2015 may have lower limits (e.g. A$1,000 in some cases). Most cards issued later have the standard A$2,000 limit per day.
• The daily card limit applies across all linked accounts and cannot currently be increased beyond A$2,000.

Fees & Exchange Rates

• For ATM withdrawals overseas, fees start from approximately A$5 plus a 3%–3.5% foreign transaction fee. Fee levels vary by ATM operator and country.
• International purchases may carry a foreign transaction fee of around 3%–3.5% of the amount in AUD.
• Currency conversion uses Mastercard’s wholesale exchange rate at the time of processing, plus CommBank’s additional fee.

Preparation Advice

• Notify CommBank before travelling through NetBank or the CommBank app to avoid card blocks due to fraud detection.
• Check and, if needed, temporarily adjust your daily withdrawal or spending limits via the CommBank app.
• Keep a backup payment method such as a travel money card or separate credit card, especially in countries with limited international ATM access.