CommBank hardware MFA token
April 18, 2026
A while ago, CommBank started asking for MFA confirmation on its mobile app for every NetBank login on a browser. Previously, there was an option to use SMS for MFA, which isn’t as secure as I would like, but it was at least usable. Since I’m switching away from Android to Mobian and won’t be able to use the CommBank app for much longer, I applied for a physical NetCode token.
The letter that came with it has the wrong link for activation, the correct link is under NetBank -> Settings -> NetCode (under the Security section)
To apply for a physical token, call the NetBank team, mention you can’t use the app and need a physical NetCode token, and make sure they actually submit your request for a token. It took me 2 calls to get them to ship me a token. The hardware is free of charge but can only be applied for via phone call; unfortunately staff members at my local branch are unable to do anything in relation to NetBank. I was told privately by a CommBank employee that they are deprecating the hardware token in favor of the mobile app, I hope that won’t happen anytime soon, or that they add support for passkeys before they do. The last time I checked, the CommBank app was LineageOS-friendly, but I don’t want to configure WayDroid just to do online banking.
PayID, the thing that allows you to receive payment via a phone number or email address, is not compatible with the hardware token, and existing PayID will be silently deactivated if you use hardware token. This looks to be an artificial restriction; I don’t see why it has to be this way.
Regular CommBank mobile app sessions will also be de-activated once the hardware token is activated (I was told so but my sessions weren’t deactivated until I wiped my Android phone), and you won’t be able to sign into mobile app again until you manually disable the NetCode token.
Online banking has been getting progressively more invasive and anti-user over the last decade, from demanding remote attestation to requiring real time location data, each time locking certain features when those demands are not satisfied; all based on the flawed assumptions that everyone owns a phone running a certain flavor of iOS or Android, and has it ready all the time. I’m not sure what can be done to reverse this trend, but on the personal level I will use NetBank less and go back to cash.