---
title: "Commercial Saver — Bank Australia"
description: "Transaction & Savings Accounts from Bank Australia. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-australia/products/3c92e6b4-a875-417d-aae7-4bccfceee2f3
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-03T01:22:55.518Z
---

# Commercial Saver — Bank Australia

> Transaction & Savings Accounts from Bank Australia. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts**

A savings account designed with the aim of helping a business or community organisation reach their savings goals faster.

## At a glance

- **Base rate:** 1.7%

## Apply

Applications are handled by the provider: [Apply at Bank Australia](https://www.bankaust.com.au/support/business-account-forms-and-checklists)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable (Interest rate is variable and is calculated daily on whole of balance and credited monthly.) | 0% | $0 to $9,999.99 | monthly |
| Variable (Interest rate is variable and is calculated daily on whole of balance and credited monthly.) | 1.7% | $10,000 and above | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| International transaction fee (ITF) — When you undertake an International transaction on a Bank Australia Visa Debit Card you will be charged the fee. An International transaction is any purchase, withdrawal or credit in a currency other than Australian Dollars or where the merchant or financial institution accepting the transaction is outside of Australia or where there is a currency conversion. | Transaction | 3% of transaction |
| Dishonour Fee — A fee charged where a debit presented to us is dishonoured because there aren't enough available funds in your account. | Dishonour | $0.00 |
| Staff assisted withdrawal fee — A fee charged for taking money out of your account with the assistance of a staff member, charged on the day the service is provided. | Event | $0.00 |
| Staff assisted international payment in foreign currency — This fee is charged when you make an International Payment in foreign currency via a Branch or the Contact Centre.  The cost is per transfer. | Transaction | $30.00 |
| Exceeding available funds fee — A fee charged when you exceed the actual balance or authorised limit of your savings account, transaction account, or overdraft facility greater than $100 payable on the day the event occurs or next day. | Event | $0.00 |
| Debit interest charge rate — Additional interest charged on overdrawn account. | Event | 12.39% of transaction |
| Company/business name searches — When we conduct a search of the ASIC register to obtain information about the ownership of a company in administration of an account. The cost is per search. | Event | $40.00 |
| Certificates supplied by the bank — A fee for comprehensive certificates supplied for audit. The cost is $5 per page and $25 per hour. | Event | $5.00 |
| Duplicate statement fee — $5 per statement (for period more than 3 months before request). A fee that may be charged if you order a copy of a statement that has already been issued on your account. This fee per statement and is charged on or after the day you order the duplicate statement. | Event | $5.00 |
| Dormancy Fee — Charged yearly · Administration fee where account has been transferred to dormancy status. | Ongoing | $10.00 |
| Security token fee — When you request that we provide you with a physical Token to provide an additional layer of security when you engage in transactions that carry a higher risk. We do not charge for the virtual token. | Event | $50.00 |
| SMS alert fee — This fee is charged when you elect to receive notifications about your account via SMS messages to a mobile telephone number you have given us for contacting you. The cost is per SMS. | Event | $0.25 |
| Inwards Payment fee — International money transfer from overseas (other fees may be charged by participating banks involved in the transaction or settlement). The cost is per transaction. | Deposit | $0.00 |
| Same day funds transfers within Australia fee (RTGS) — This fee is for a Real Time Gross Settlement (RTGS) payment which refers to the process of transferring money from one bank to another in Australia on a real time and gross basis. The cost is per transfer. | Transaction | $20.00 |
| Staff assisted international payment in AUD — This fee is charged when you make an International Payment in AUD via a Branch or the Contact Centre. The cost is per transfer. | Payment | $30.00 |
| Online international payment in foreign currency — This fee is charged when you make an International Payment in foreign currency on-line via Internet banking or Bank Australia app. The cost is per transfer. | Payment | $10.00 |
| Monthly Fee — Charged monthly · A flat fee payable on the last day of each month. | Ongoing | $0.00 |

## Features

- **Bill payment (BPAY)** — BPAY (You can pay bills with the BPAY logo via Bank Australia App or Internet Banking.)
- **Digital banking** (You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking.
)
- **Notifications** — Account Notifications (Notifications can be enabled in the App or through Internet Banking, allowing you to be alerted either by email, sms or through the App about your account activity.)
- **Real-time payments (NPP)** (Move money and pay people instantly with Osko.)
- **PayID** (With PayID you can forget your BSB and account number - simply use your mobile, email or ABN to receive payments. This account can be linked to a PayID.)
- **PayTo Payments: You can make recurring and one-off payments with any participating PayTo merchant, business or service provider and keep track of all the payments in the Bank Australia app or Internet Banking.**
- **Unlimited transactions** (There is no limit to the number of online or staff assisted transactions you can make.)

## Eligibility

- **Business customers** (Sole traders, Pty Ltd, public companies, partnerships or associations)
- **Minimum age** — 18 years (18+ years)
- **Residency status** — AU (Business must be registered in Australia)

## More information from Bank Australia

- [Overview](https://www.bankaust.com.au/business/commercial-saver/)
- [Terms & conditions](https://www.bankaust.com.au/support/disclosures)
- [Eligibility](https://www.bankaust.com.au/business/commercial-saver/)
- [Fees & pricing](https://cdn.bfldr.com/1R31Y8GR/as/ttcjnnjsvnsm9k5gx5qpmwbp/Fees_charges_and_transaction_limits)

## Data provenance

- Published by Bank Australia under the Consumer Data Right
- Product ID: `3c92e6b4-a875-417d-aae7-4bccfceee2f3`
- Last updated by the provider: 3 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-australia/3c92e6b4-a875-417d-aae7-4bccfceee2f3
- Provider page: https://www.cdrcompare.au/brands/bank-australia
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000150

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-australia/products/3c92e6b4-a875-417d-aae7-4bccfceee2f3) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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