Commonwealth Bank Virtual Card
Commonwealth Bank Virtual Card is a traditional bank card issued on Mastercard, rated 6.1/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Commonwealth Bank Virtual Card is the strongest fit for app store / play and free issuance, and asks for ID + proof at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Commonwealth Bank Virtual Card · Traditional Bank Card |
| Official site | https://commbank.com.au |
| Best for | App Store / Play · Free issuance |
| Network | Mastercard |
| Rating | 6.1/10 (3.0★, 749 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free |
| Monthly / annual fee | Depends on linked card |
| FX / conversion fee | 0% (World Debit); varies by card |
Verification and risk
| KYC required | Yes |
| Risk level | Low |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Single-use |
Billing
| Billing address | Australia |
| Billing country | Australia |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 267497 | Mastercard | Australia | Credit | 215 | 152 | 70.7% |
We logged 152 cleared charges out of 215 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Commonwealth Bank Virtual Card cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is Depends on linked card; conversion is priced at 0% (World Debit); varies by card. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Commonwealth Bank Virtual Card?
Commonwealth Bank Virtual Card asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
How can I fund Commonwealth Bank Virtual Card?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Commonwealth Bank Virtual Card need?
Setting it up: the billing address type is Australia; cards are issued against Australia; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Commonwealth Bank Virtual Card work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Commonwealth Bank Virtual Card trigger 3-D Secure?
Yes. Commonwealth Bank Virtual Card supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Commonwealth Bank Virtual Card?
The issuer allows Single-use. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.