CommBank
Transaction & Savings Accounts
20A notice account that offers higher variable interest rates on your surplus funds while waiting for the next investment opportunity. Simply submit a notice to access your funds via your CDIA after the predetermined notice period.
A business savings account that can help you manage cash flow and set aside money for tax payments.
A cash management account for investors allowing you to trade and transact when and where it suits you.
One convenient account for your transaction and savings needs - for customers aged 55 and above.
Transaction accounts that pays interest above minimum balances.
An everyday bank account, giving you access to unlimited electronic transactions and features to help your spending and bills stay on track. Plus if you meet certain criteria, we'll waive your $4 monthly account fee.
An everyday business bank account that you can open online, which provides unlimited electronic transactions and 5 assisted transactions on a monthly basis for customers on the $10 monthly account fee pricing option. Fees and charges will apply if you exceed this amount. Customers with the $0 monthly account fee pricing option will not have included assisted transactions - each assisted transaction will be chargeable. Please note Access, CommBiz and NetBank Service Fees may apply and are excluded from the unlimited electronic transactions.
A tax-effective investment that allows primary producers to set aside pre-tax income as a cash reserve for later years.
A flexible way to make, receive and convert regular payments in foreign currencies.
A flexible way to make, receive and convert regular payments in foreign currencies.
An online savings account with the flexibility to move money in and out of your linked CommBank transaction account using NetBank or the CommBank app.
A transaction account for eligible not-for-profit and community organisations and associations, and organisations that operate for the benefit of the wider community. You can set one up in any of our branches.
Be rewarded with a variable bonus interest rate for saving regularly each month.
Designed to help teach saving skills to under 18s, our Youthsaver account offers bonus interest for reaching saving goals.
An account that lets you save and top-up your balance, with flexibility to access your funds by providing notice.
An everyday bank account for health care or pensioner concession card holders or receiving a government benefit payment that makes you eligible to hold a card.
The Commonwealth Private Bank Account is an interest bearing transaction account which pays a banded interest rate and is exclusively available to Commonwealth Private Bank clients.
Everyday Offset is a transaction account which is linked to an eligible home loan, and account holder(s) must also be account holders of the linked home loan. Interest is not charged on the part of the Home Loan balance equal to the Transaction account. Full terms and conditions for transaction and savings accounts are available at CommBank.com.au or from any branch of the Commonwealth Bank. Fees and charges apply.
A choice of investment alternatives within one account with competitive interest rates.
A choice of investment alternatives within one account with competitive interest rates.
Term Deposits
5A tax-effective investment that allows primary producers to set aside pre-tax income as a cash reserve for later years.
Feel confident knowing exactly how much your money will earn. Lock-in a competitive interest rate from as short as 1 month to as long as 5 years.
Feel confident knowing exactly how much your money will earn. Lock-in a competitive interest rate with our range of fixed term deposits.
A Term Deposit opened for the specific purpose of providing security for a bank guarantee required by the Commonwealth Government in relation to their requirement for an assurance of support.
A Term Deposit opened for the specific purpose of providing security for a bank guarantee required by the Commonwealth Government in relation to their requirement for an assurance of support.
Home Loans
16An investment home loan where the interest rate is fixed for 5 years.
A digital home loan with a low variable rate
A digital home loan with a low variable rate
An investment home loan where the interest rate is fixed for 4 years.
An owner occupied home loan where the interest rate is fixed for 1 year.
An investment home loan where the interest rate is fixed for 2 years.
An investment home loan where the interest rate is fixed for 1 year.
An owner occupied home loan where the interest rate is fixed for 2 years.
An owner occupied home loan where the interest rate is fixed for 3 years.
An investment home loan where the interest rate is fixed for 3 years.
A competitive variable rate home loan with access to offset and an extensive range of features.
An owner occupied home loan where the interest rate is fixed for 4 years.
An owner occupied home loan where the interest rate is fixed for 5 years.
A competitive variable rate home loan with access to offset and an extensive range of features.
A simple home loan with a competitive variable rate and the choice to access two Everyday Offset Accounts.
A simple home loan with a competitive variable rate and the choice to access two Everyday Offset Accounts.
Credit & Charge Cards
17
Designed for medium to large businesses wanting to maximise cash flow with interest free days on purchases, monitor employee expenses, set transaction limits and access expense reports in order to track, analyse and forecast expenses.
Ideal for large organisations with significant expenses. You can set spending limits and access expense reports to monitor spending and forecast costs.
With a low interest rate on purchases, our Low Rate credit card makes it easier to pay off purchases over time.
A new way to pay with no interest, a low maximum credit limit and a simple monthly fee based on your limit.
A credit card that allows you to earn unlimited awards points, extra bonus points, travel benefits and ability to pay no monthly fee for eligible customers.
Be rewarded for essential business spend and save on business travel. Take advantage of offers and partner discounts whilst purchasing with confidence and convenience knowing you are backed by two of Australia's largest brands
Earn flexible rewards and enjoy up to 55 days interest-free to keep your cashflow in check.
Ideal for small business owners looking for a line of credit with a competitive interest rate and no annual fee. Note, this product does not include an interest free day period.
Designed for those looking for a card with a competitive interest-free period to help with business cash flow.
Virtual Cards are a streamlined travel and procurement management solution, which provides large businesses the ability to take advantage of extended payment terms, transaction level payment security, and transaction level data through the deployment of single-use virtual cards.
Designed for medium businesses wishing to manage their cash flow by paying down larger items over time. Options to monitor employee expenses, set limits and access expense reports in order to minimise costs.
Enjoy the flexibility and convenience of a credit card with a low monthly fee.
Our most rewarding credit card with uncapped points earning potential, exclusive travel benefits and no monthly fee for eligible customers.
For customers who want a lower monthly fee and credit limit but still like to earn Awards points.
Perfect for those looking for a competitive interest-free period on purchases and to reward themselves for business purchases.
A Procurement Management Account is a corporate card 'account' (16 digit card number) assigned to an organisation or business unit, which allows multiple authorised users to transact on the account. It is primarily used for a large volume of transactions (e.g. high volumes of travel bookings) or high value procurement transactions (e.g. strategic suppliers).
CommBank's simplest credit card yet with no interest and no late fees. Just a simple monthly fee.
Personal Loans
3Take control of your next step with a flexible CommBank Fixed Rate Personal Loan that puts you in charge.
Get a competitive rate and have the flexibility to make additional repayments without a fee with a CommBank Variable Rate Personal Loan.
Unlock the value of your car for a typically reduced interest rate.
Business Loans
4A simple loan to help you manage or grow your business. It can be secured or unsecured with flexible repayment options. For Businesses that want to borrow from $10,000 for business purposes, want to make extra repayments and access them with redraw, want to pay interest only on the amount they owe and want flexibility in how they repay their loan.
A highly flexible loan with transparent pricing to support your business to grow, and repayment options to meet your cash flow cycle.
Business car and equipment finance.
Business car and equipment finance.
Overdrafts
5Stream Working Capital (SWC) is a digital cash flow solution that uses B2B customer invoices as security. SWC can improve a customer's cashflow by giving them access to funds tied up in unpaid invoices.
Access additional funds directly from your business transaction account, to manage your business cash flow or unexpected expenses.
CommBank AdvancePay gives you access to money you expect to be paid, before your next pay day. It's a short term facility applied to your personal everyday account as a temporary limit.
Temporary overdrafts provide access to additional funds (up to an approved limit) due to an emergency.
Access additional funds directly from your business transaction account, to manage your business cash flow or unexpected expenses.
Buy Now Pay Later
1
StepPay is our digital-only buy now, pay later product that you can add to your CommBank app or a digital wallet on your smart device. You can use StepPay to pay everywhere in-store and online, up to your credit limit - without a physical card. You can enjoy: No interest charges, No monthly or annual fees, Spend limits up to $2,000, No foreign exchange fees, Late payment fees will apply, but fees are capped. Fees and charges may apply to your linked CommBank account.
Travel Cards
1
The Travel Money Card is a prepaid Visa card. You can load and reload up to 16 available currencies onto your card for your personal use when you travel.
Leases
2Motor vehicle finance for employees through salary sacrifice.
Business car and equipment finance.
Margin Loans
2CommSec Margin Loan allows investors to borrow money to invest, by using their existing shares, ETFs, managed funds, and/or cash as security.
Commonwealth Bank Geared Investments Loan gives financial advisers the ability to diversify their clients' portfolio and take advantage of potential tax benefits by borrowing to invest in shares, ETFs, and managed funds.
Regulated Trust Accounts
1Transaction account used to deposit funds held in trust on behalf of certain business customer's client. They are required by certain industries to be held by law and are also referred to as General Trust Accounts in some States and Territories.
Data published by CommBank under the Consumer Data Right · ABN 48123123124 · Register entry updated 1 July 2026 · View on CDR.gov.au