Commonwealth Bank customer reveals how she was hit with $255 in bank fees after turning 30

By CAITLIN POWELL - NEWS REPORTER Published: 03:52, 24 June 2026 | Updated: 03:54, 24 June 2026 A Melbourne woman discovered she owed Commonwealth Bank $255 after turning 30 and no longer being exempt from a monthly fee.  Nikki posted a video on social media on June 17 revealing the conditions of her Everyday Personal Spending Account had changed.  Commonwealth Bank charges a $4 monthly fee unless customers deposit at least $2,000 a month, are under 30 or qualify for an exemption. 'I have a personal account that I only put money in when I need to spend it,' Nikki said. 'There was about $3 in there. I didn't know when I turned 30, and I forget that I've turned 30 so these rules now apply to me, that if I'm not depositing $2,000 into that bank account each month, I get charged $4. 'Because I only had about $3.05 in there and I was charged $4, I went into the negative [by] 95¢. I haven't had to use the account.' Nikki said the account had been in the negative since June 1, meaning she had been charged a $15 overdraft fee daily for 17 days.  'That is $255 in fees I could have avoided by having [an additional] 95¢ in the account,' she said. Melbourne woman Nikki (pictured) said she did not realise her account terms changed after she turned 30 Commonwealth Bank charges a $4 monthly fee for its Everyday Personal Spending Account unless customers deposit at least $2,000 a month, are under 30 or qualify for an exemption (pictured, a branch in Melbourne) 😓😓😓😓😓😓 Fuck @CommBank for not sending me an email before my 30th birthday to remind me my account T&Cs are changing. If you care about your customers you should do this! Nikki said Commonwealth Bank should email customers before their 30th birthday to warn them their account terms are changing.  According to the CommBank website, customers can avoid overdraft fees by switching off the overdraft feature. The Daily Mail contacted the bank for comment.  In an update, Nikki said she shut her account after discovering the change to her terms and conditions. 'Because I closed the account not long after realising this, and before the system had a chance to charge any positive balance on the account, the $255 in overdraft fees will not be charged,' she said. No comments have so far been submitted. Why not be the first to send us your thoughts, or debate this issue live on our message boards. By posting your comment you agree to our house rules. Do you want to automatically post your MailOnline comments to your Facebook Timeline? Your comment will be posted to MailOnline as usual. Do you want to automatically post your MailOnline comments to your Facebook Timeline? Your comment will be posted to MailOnline as usual We will automatically post your comment and a link to the news story to your Facebook timeline at the same time it is posted on MailOnline. To do this we will link your MailOnline account with your Facebook account. We’ll ask you to confirm this for your first post to Facebook. You can choose on each post whether you would like it to be posted to Facebook. Your details from Facebook will be used to provide you with tailored content, marketing and ads in line with our Privacy Policy.