She unlocked her iPhone, found the yellow-and-black CommBank app icon, and tapped it. Face ID logged her in instantly.
On the home screen, a small red notification badge sat on the “Cards” tab. She tapped it.
A carousel of her accounts appeared: Everyday Account, NetBank Saver, and at the end, a new greyed-out card labeled “Smart Awards – Last 4 digits: 1234.” A bright yellow button below it said
The app instantly responded: “Thanks. Please try the transaction again.”
“Tap or insert?” Leo asked.
The website paused. Then a red error: “Your bank requires additional verification. Check your app.”
Maya felt a tiny thrill. New card, new possibilities. But she was also slightly nervous. Does it really work that fast?
That night, Maya opened the app one more time. Under the “Cards” tab, her new card now showed as . She noticed a small toggle: “Lock card” — a safety feature she could use if she ever misplaced it. She also saw “Manage contactless limits” and “Travel notification” (which she turned on for Melbourne).

