Banks
See your CommBank accounts in Cove
Connect CommBank to Cove Money through the Consumer Data Right and see your Smart Access account, NetBank Saver, credit cards and home loan in one calm, read-only view.
CommBank is Australia's largest bank, and for many households it's where the everyday account, the savings, the credit card and the home loan all live. Connect CommBank to Cove and your Smart Access account, NetBank Saver, GoalSaver, credit cards and home loan sit alongside everything else you bank with — one quiet picture of your money that stays up to date on its own.
Good to know: Unloan and CommBiz are part of the Commonwealth Bank group but are separate data holders under the CDR, so they connect to Cove separately.
How to connect CommBank to Cove
- Start in Cove. Open Cove, choose to add a bank, and pick CommBank from the supported list.
- Review the consent request. The Consumer Data Right consent screen shows exactly what data is requested, why it is needed, who can access it, how long access lasts, and how to withdraw consent later.
- Approve with CommBank. You're taken to CommBank's own verification step, where your identity is confirmed with a one-time password from CommBank. Cove never sees or stores your CommBank password.
- Choose the accounts to share. You pick which eligible CommBank accounts to share. Only the accounts you authorise are visible to Cove.
- See your money in one place. Your CommBank balances and transactions flow into Cove read-only and stay up to date automatically while your consent is active.
What syncs from CommBank
| Account type | What you see in Cove |
|---|---|
| Transaction accounts | Balances, transactions and account details |
| Savings accounts | Balances, transactions and account details |
| Credit cards | Balances, transactions and account details |
| Home loans | Balances, transactions and account details |
| Term deposits | Balances, transactions and account details |
Your data refreshes automatically while your consent is active, so Cove stays current without you re-connecting or refreshing anything yourself.
Security and the Consumer Data Right
Cove connects through the Consumer Data Right, Australia's regulated open banking system — not screen scraping. Cove Money operates as a CDR Representative of Fiskil Pty Ltd, an ACCC-accredited data recipient. Access is strictly read-only: Cove can see balances and transactions, but it can never move money, make payments, or change anything in your CommBank accounts. You can revoke access at any time, from Cove or from your bank's data sharing dashboard.
CommBank FAQs
Is connecting CommBank to Cove safe?
Cove's access is read-only and runs through Australia's Consumer Data Right. Cove Money operates as a CDR Representative of Fiskil Pty Ltd, an ACCC-accredited data recipient, and you approve the connection inside CommBank's own login — Cove never sees your CommBank password. You can revoke access at any time.
Can I see my CommBank credit card in Cove?
Yes. Your CommBank credit card balance and transactions sync alongside your other accounts, and card spending is categorised with everything else so it shows up in your cashflow and budgets.
I also use Unloan — is that the same connection?
No. Unloan is part of the Commonwealth Bank group but is a separate data holder under the Consumer Data Right, so it appears as its own institution when you connect.
Does Cove work with CommBank joint accounts?
Joint accounts can be shared under the Consumer Data Right, though CommBank may first ask each account holder to approve data sharing for the account. If a joint account doesn't appear in Cove, check the data sharing settings in your CommBank banking.
Does CommBank charge for connecting to Cove?
No. Sharing your data under the Consumer Data Right is free for consumers — CommBank doesn't charge for it, and Cove doesn't charge anything beyond your normal subscription.
Cove Money is not affiliated with or endorsed by Commonwealth Bank. The Commonwealth Bank name is used only to identify the institution. Product availability through the Consumer Data Right is determined by Commonwealth Bank and can change.
Try Cove Money
See your CommBank accounts, calmly.
Read-only Consumer Data Right bank connections, no advertising, and one quiet subscription. Start with 7 days free, then $9.99 AUD per month, cancel anytime.