Protect yourself from scams
Learn about the different types of scams, how to spot a scam, and ways to keep yourself safe.
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Learn about the different types of scams, how to spot a scam, and ways to keep yourself safe.
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Some card transactions will appear as pending on your account until the payment is fully processed.
Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. While a transaction is pending, the amount is deducted from your available funds, not your account balance. Pending transactions are useful as you get to see in real-time when you have made a payment or withdrawal or which refunds are awaiting processing. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.
When you use your card to buy goods or services, an online check is done to make sure your card is valid and that you have enough money to pay. We authorise your transaction and the amount is deducted from your available funds – it will show as ‘pending’ on your account.
Once a transaction appears as pending on your account, you’re unable to stop or cancel the transaction until it’s complete.
The merchant then sends us their transaction file for settlement, and we send the merchant your transaction payment. After this, your transaction is no longer pending and your account balance reduces by the amount of your purchase.
Sometimes pending transactions may disappear from your transaction history and the amount is returned to your available balance. This means the transaction has expired and at this stage has not been processed by the merchant. If this happens, your dispute will be closed. In some instances, the transaction may reappear, as the merchant has processed the transaction at a later date and debited your account. If this happens, contact us immediately to lodge another dispute.
If you don’t recognise a transaction or did not authorise it, you can raise a dispute. We’ll investigate your dispute when the pending transaction has been fully processed
Phishing is when a scammer sends an email that appears to be from a trusted source, often including an urgent ‘call to action’ like asking you to unlock or verify an account, log on to your bank accounts or make a payment immediately.
SMiShing is a type of phishing where the message is sent via SMS text message rather than email.
Once you click on the link or open the attachment, you may be asked to enter your personal information such as such as card numbers, NetBank client number, banking passwords and NetCodes. Malware could also be installed on your device or you might receive a call where scammers attempt to convince you to share personal or banking details with them.
Scammers may use this information to access your bank accounts to make payments online, register for a new CommBank app or activate digital wallets like Apple Pay or Google Pay.
Here’s how to look back at current and older online statements in the CommBank app and NetBank. Then check, save and print them too.
You’ll have the option to email or print your statement
Full terms and conditions available on the CommBank app. The CommBank app is free to download, however your mobile network provider charges you for accessing data on your phone. Find out about the minimum operating system requirements on the CommBank app page. Terms and conditions are available on the app. NetBank access with NetCode SMS is required.
Discover a range of tools, tips and financial support options to help you with the everyday cost of living.
Is there a transaction on your debit card, credit card or Travel Money Card that you don’t recognise? Unauthorised digital fraud or scam transaction? Or an issue with something you’ve purchased? Here's what to do.
You’ll need to contact us as soon as you decide to raise a dispute. If you take too long to raise a dispute from the date the transaction occurred, we may lose any chargeback rights we have under Mastercard, VISA and eftpos scheme rules.1
If the transaction appears as pending on your account, we’ll investigate your dispute when the transaction has fully processed.
CommBank app
We want to know when we've let you down so we can make things right.
CommBank acknowledges the Traditional Owners of the lands across Dubai as the continuing custodians of
Country and Culture. We pay our respect to First Nations peoples and their Elders, past and present.
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