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Speaking from my own experience as a forex trader who values transparency in banking and brokerage services, I believe CommBank's fee structure is generally well-communicated and straightforward, particularly in comparison to some purely online or offshore brokers. For deposits, especially those done via bank transfer within Australia or through CommBank ATMs, I have not encountered any hidden fees. These services are listed as free, and in my use, the charges have matched the published rates. When it comes to international transfers or ATM withdrawals in foreign currencies, there are explicit fees. For example, overseas ATM withdrawals incur a $5 per transaction fee plus a currency conversion fee, and international transfers carry charges between $15 to $25 per transaction in addition to a foreign exchange conversion fee of 1% to 3%. These are clearly outlined, and in my experience, have been charged exactly as described. I have learned to pay close attention to these, as overseas transactions can add up if not monitored. While I have not encountered undisclosed or “concealed” fees, the complexity of some product-specific charges, especially involving investment and cross-border services, does require careful reading of the terms. Any financial institution—particularly one as established and regulated as CommBank—relies on detailed documentation. For me, this has underscored the importance of reviewing official schedules before transacting, but so far, I have not discovered any unexpected withdrawal or deposit charges outside of what is officially disclosed.