Westpac vs CommBank: which is better? Comparison 2026
By our public methodology Westpac scores 96 out of 100 and CommBank scores 93. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Westpac | CommBank | |
|---|---|---|
| Safety | 100 | 100 |
| Digital services | 86 | 86 |
| Products | 100 | 100 |
| Transparency | 99 | 83 |
Pros and cons
Westpac
- Wide range of products for private customers
- Long track record as a licensed bank
- Member of a deposit protection scheme
- Holds its own current rating from a recognised agency
CommBank
- Wide range of products for private customers
- Long track record as a licensed bank
- Member of a deposit protection scheme
- Holds its own current rating from a recognised agency
Facts side by side
| Fact | Westpac | CommBank |
|---|---|---|
| Licensed since | 1817 westpac.com.au | 1911 commbank.com.au |
| Deposit protection | Yes apra.gov.au | Yes apra.gov.au |
| Agency rating | Yes westpac.com.au | Yes commbank.com.au |
| Annual reports online | Yes westpac.com.au | Yes commbank.com.au |
| Mobile app | Yes westpac.com.au | Yes commbank.com.au |
| Open an account online | Yes westpac.com.au | Yes commbank.com.au |
| Instant payments | Yes westpac.com.au | Yes commbank.com.au |
| Retail lines offered (of 6) | 6 westpac.com.au | 6 commbank.com.au |
| Tariffs online | Yes westpac.com.au | Yes commbank.com.au |
| Deposit rates online | Yes westpac.com.au | Yes commbank.com.au |
| Complaints procedure published | Yes westpac.com.au | Yes commbank.com.au |
| Branches in the country | 621 westpac.com.au | Not verified |