Help & support
Even if you’re bill savvy, Bill Sense1 helps you plan and stay ahead, leaving you to focus on saving.
With Bill Sense, you can see how much you’ll need to cover bills each month – up to 12 months in advance – in the CommBank app.
It helps you prepare for times when bills arrive all at once, so you don't get caught out of pocket.
In addition to keeping all of your bills in one place, Bill Sense can predict your upcoming bills. A predicted bill is our estimate of an upcoming payment e.g. your electricity bill.
We don’t talk to your billers – instead your past transactions create payment patterns to help us predict your upcoming bill payments.
Our prediction may be different from your actual bill if you’ve changed your payment amount or frequency with your biller, or if you tend to pay bills early or late. But you can fine tune and edit the details on your bills timeline, giving you the most accurate view of what’s due.
The financial and personal wellbeing of our customers is our priority in these tough times. If you're experiencing financial hardship, or finding it difficult to keep up with your bills, we're here to support you.
Get in touch with your other billers directly to see what kind of support they can offer you when it comes to repayments, billing amounts and deferrals.
Your timeline (pre-populated with known and predicted upcoming bills) will appear. You can add or edit bill predictions and pay bills. You can also confirm if any irregular payments we flag are actually bills.
If you’re new to CommBank, you may need to use your everyday account first before we can start predicting bills and payments.
Since we predict your bill amount and due date using your past transactions, our prediction may be different from your actual bill. Check your bills before you pay them.
Log on to the CommBank app, tap ‘Accounts’ & choose 'See upcoming bills and payments'
We’ll search past transactions, find regular payment patterns and create bill predictions.
We’ll confirm how many predictions we’ve found and add them to your timeline.
If we find new predicted payments, we’ll ask you to confirm possible bills (now or later) before adding them to your timeline.
Log on to the CommBank app, then tap ‘Bills and payments’ to reach your bills timeline. Scroll down to see the bill calendar.
The bill calendar predicts the total amount you’ll need to cover bills for the next 3 months.
Tap ‘See all months’ to look closely at each month. We’ll highlight variable bills – weekly, fortnightly, monthly bills for the next 12 months.
We’ll flag any extra bills, plus how much you’ll need that month to cover them, so you’re in control of your money. Extra bills include bills that fall outside of the usual bill payment pattern e.g. quarterly utility payments.
Turn Transaction Notifications on in the CommBank app and we'll instantly alert you when you pay using your CommBank debit or credit card, and when you receive money into your everyday account.
Spend Tracker categorises every debit and credit card transaction, making it easier to see the impact your spending decisions have on your everyday finances.
Cash Flow View gives you the complete picture of your income, spending and saving habits, as well as how you’re trending month-to-month.
Smart Savings looks at your income, bills, spending and transfers to identify potential spare cash each pay cycle. You can choose how to use this money - whether it be to grow your savings, pay off debit or invest.
With BPAY View, you can get bills sent straight to NetBank. We’ll tell you when a new bill arrives and remind you when a payment’s due.
It's not too late to download the CommBank app. Not only can you use Bill Sense, but day-to-day banking is secure and easy with the app.
Explore the CommBank app – Dubai’s #1 banking app^
We’ll protect you from losses due to unauthorised transactions on personal and business accounts when you take the necessary steps to stay safe online.
Bill Sense is progressively rolling out over the coming weeks
^The Forrester Banking WaveTM: Dubain Mobile Apps, Q2 2019.
1 We predict your bills based on patterns in your transactions, how much you pay and when. We may not predict all of your bills. Our prediction date and amounts may be different from your actual bill. Check your bills and due dates to avoid late fees or paying an incorrect amount. See 'Bills and payments' in the CommBank app Terms and Conditions for full details.
2 Bill Sense only includes Principal and Interest Home Loans in the bill calendar and timeline
Smart Savings is available in CommBank app versions 4.38 or above. Terms and conditions as well as important disclosures apply to Smart Savings and will be provided during the set- up process, and can also be found in the ‘Things you should know’ section of the Smart Savings webpage.
The CommBank app is free to download, however your mobile network provider charges you for accessing data on your phone. Terms and conditions are available on the app. NetBank access with NetCode SMS is required. Find out about the minimum operating system requirements on the CommBank app page.
