Bank	Strategy for 2026 Graduates	Effort Level
CommBank	Automatic if under 30. If over 30, use "CBA Plus" to switch to a $0 fee tier.	Low
NAB	No Action Needed. $0 monthly fees are standard for all Classic accounts.	None
Westpac	Automatic until age 30. Updates via the "Westpac App" for those older.	Low
ANZ	Manual Update. You must inform them your studies have ended to avoid fees.	Moderate

Bank	Strategy for 2026 Graduates	Effort Level
CommBank	Automatic if under 30. If over 30, use "CBA Plus" to switch to a $0 fee tier.	Low
NAB	No Action Needed. $0 monthly fees are standard for all Classic accounts.	None
Westpac	Automatic until age 30. Updates via the "Westpac App" for those older.	Low
ANZ	Manual Update. You must inform them your studies have ended to avoid fees.	Moderate

Bank	Strategy for 2026 Graduates	Effort Level
CommBank	Automatic if under 30. If over 30, use "CBA Plus" to switch to a $0 fee tier.	Low
NAB	No Action Needed. $0 monthly fees are standard for all Classic accounts.	None
Westpac	Automatic until age 30. Updates via the "Westpac App" for those older.	Low
ANZ	Manual Update. You must inform them your studies have ended to avoid fees.	Moderate

Bank	Strategy for 2026 Graduates	Effort Level
CommBank	Automatic if under 30. If over 30, use "CBA Plus" to switch to a $0 fee tier.	Low
NAB	No Action Needed. $0 monthly fees are standard for all Classic accounts.	None
Westpac	Automatic until age 30. Updates via the "Westpac App" for those older.	Low
ANZ	Manual Update. You must inform them your studies have ended to avoid fees.	Moderate