Report updated Jun 17, 2026
CommBank
For australian residents aged 14 and older seeking a centralized digital platform for personal and business banking.
CommBank is a challenged finance app that is completely free. With a 3.6/5 rating from 78.5K reviews, it faces significant user friction. Users particularly appreciate in-app tap and pay functionality provides a convenient alternative to physical cards for daily transactions, though frequent login failures and account lockouts post-update prevent users from accessing essential banking services remains a common concern.
What is CommBank?
CommBank is a comprehensive personal and business banking app for Australian residents, available on iOS and Android.
Users hire CommBank to manage daily transactions and security-sensitive payments, relying on the app to mitigate fraud risks in an increasingly scam-prone digital environment.
Current Momentum
v5.52 · 2d ago
Maintenance- Ships security-focused updates for scam prevention.
- Maintains top 3 finance chart position.
What makes this app unique?
What Does It Look Like?
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What Are The Key Features?
Verifies legitimacy of incoming calls via secure push notification.
Automated validation of payment details to identify scams.
Customer recognition program providing cashbacks and discounts.
How much does it cost?
- Free to download and use
Monetization occurs through transaction fees and partner revenue shares rather than direct app fees.
Who Built It?
Enrichment in progress
Publisher profile available very soon
What other apps does Commonwealth Bank of Australia make?
CommSec Pocket
Finance
CommSec
Finance
CommBiz
Finance
Unloan
App
What do users think recently?
High confidence · Latest 120 of 415 total reviews analyzed
How did the latest release land?
What is the recent mood?
Recent user voice shows a frustrated sentiment. Users appreciate in-app tap and pay functionality provides a convenient alternative to physical cards for daily transactions, but report frequent login failures and account lockouts post-update prevent users from accessing essential banking services.
What Users Love
What Frustrates Users
What Users Want
View the full user-sentiment analysis
Mood gauge, ratings & review-volume history, every praise / complaint / request, and sentiment over time.
What is the competitive landscape for CommBank?
Where is it available?
Localized markets (1)
How's The Finance Market?
How does it evolve in the Finance market?
CommBank holds the #3 Free position in the Australian Finance category, but the 1.27-star rating gap between iOS and Android platforms signals significant fragmentation in the digital experience.
Rank progression
12 active rankings tracked — 30-day window
Which niche is CommBank in?
Explore the full Budgeting Dashboards niche
Every app in this space — 466 tracked, the niche's live rankings, and Marlvel's editorial take on the job-to-be-done.
The rivals identified
Nemeses(1)
Branch competes directly for the payroll and liquidity needs of the workforce, capturing users who require immediate access to earned wages rather than traditional banking cycles.
Differentiators
- Offers integrated earned wage access that provides immediate liquidity before traditional pay cycles occur.
- Automates complex tip pooling processes, a niche operational feature CommBank currently lacks for employers.
- Focuses on a high-frequency, daily-use transactional model centered around immediate worker financial relief.
Head to head
CommBank should prioritize embedding 'on-demand' pay features to prevent workforce-focused apps from siphoning off primary transaction volume.
Contenders(4)
UBank challenges CommBank by positioning itself as a lifestyle-integrated financial hub that aggregates multi-bank data and health-tracking incentives.
Differentiators
- Integrates health-tracking data via u'Walk to gamify financial activity and user engagement.
- Aggregates accounts from multiple financial institutions into a single, unified dashboard for better visibility.
Rabita Mobile competes through aggressive value-added services like automated VAT refunds and green-focused cashback programs.
Differentiators
- Automates VAT refund processing, providing a tangible financial benefit that simplifies tax-related administrative tasks.
- Features a 'Cashback Green' program that aligns financial incentives with sustainable consumer spending habits.
MilliÖN focuses on the utility payment segment, competing for the high-frequency, low-friction transaction volume that CommBank also manages.
Differentiators
- Offers highly optimized payment templates that allow users to settle recurring utility bills in seconds.
- Operates a broad service integration network that covers a wider range of local utility providers.
PASHA Bank competes by digitizing the high-touch banking experience, specifically targeting users who need seamless loan documentation and physical document delivery.
Differentiators
- Provides a hybrid digital-physical model by offering courier document delivery for sensitive banking paperwork.
- Streamlines the lending process with dedicated digital loan documentation tools that reduce branch visits.
Same space(3)
Splid addresses the social finance niche, specifically group expense management, which is a common secondary use case for CommBank users.
Differentiators
- Enables offline group synchronization, allowing users to track expenses in areas without reliable internet connectivity.
- Provides robust multi-currency conversion tools that simplify international travel and group expense tracking.
It competes by offering a highly customizable, visual approach to personal expense tracking that appeals to users seeking more control than standard bank apps.
Differentiators
- Features a dedicated icon store to personalize categories, enhancing the user's emotional connection to budgeting.
- Provides cloud backup integration to ensure that manual financial records are never lost during device changes.
This app serves users focused on manual ledger management and granular transaction tracking, a subset of CommBank's budgeting audience.
Differentiators
- Supports multi-user synchronization for shared household budgeting and collaborative financial management.
- Allows for complex recurring transaction scheduling that provides better foresight into future cash flow.
Compare CommBank against every rival
All rivals in one side-by-side table — identity, store metrics, ratings & sentiment, and strategic intel — plus a head-to-head page for each.
The outtake for CommBank
Strengths to defend, gaps to attack
Core Strengths
- Security-first feature set (CallerCheck/NameCheck) creates a high switching cost for risk-averse users.
Critical Frictions
- 0.7★ Android-iOS rating gap on majority Android base.
Growth Levers
- Expanding CommBank Yello travel rewards to non-homeowner segments.
Market Threats
- Branch's earned-wage access model exploits liquidity-gaps in traditional banking cycles.
What are the next best moves?
Rebuild authentication logic because login failures are the #1 complaint theme → recover Android rating baseline.
Sentiment analysis identifies login failures and account lockouts as the primary driver of negative feedback post-update.
Trade-off: Pause the iPad native-app sprint — authentication stability is a higher-churn risk than tablet UI.
A counter-intuitive read
The app's #3 chart position is a liability, as it masks the underlying churn risk posed by Branch's superior liquidity-access model which targets the same core transaction volume.
Feature Gaps vs Competitors
- Earned wage access (available in Branch but absent here)
- Native tablet interface (available in competitor banks but absent here)
Key Takeaways
CommBank maintains its category lead through security-first utility, but the recent authentication failures are eroding user trust, so the PM must prioritize stability over new feature expansion to prevent churn to fintech competitors.
Where Is It Heading?
Declining
The market is shifting toward instant-liquidity financial tools, and CommBank's current focus on legacy banking features leaves it exposed to workforce-focused entrants. Unless the team addresses the current authentication instability, the brand's security reputation will continue to decouple from the actual user experience.
Authentication failures in the latest release trigger account lockouts, which increases support volume and drives negative sentiment among the Android user base.