---
title: "Stream Working Capital — CommBank"
description: "Overdrafts from CommBank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/commbank/products/38bca0f2a8c54e828ca954325c0aea17
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-29T02:15:40.000Z
---

# Stream Working Capital — CommBank

> Overdrafts from CommBank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Overdrafts · Negotiable rates**

Stream 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.

## At a glance

- **From:** 3.58% (Variable)

## Apply

Applications are handled by the provider: [Apply at CommBank](https://www.commbank.com.au/business/loans-and-finance/stream-working-capital.html#apply)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (The Debit Interest Rate is charged on the balance drawn and is based on the BBSY AUD 1 Month rate plus a margin. Note: BBSY is the Australian Bank Bill swap reference rate (Bid) administrated by the ASX benchmarks PTY LTD (or any other person which takes over the administration of that rate). Custom interest rate with interest rate margins based on your circumstances. Interest is only charged on the amount you draw down. Calculated daily on the outstanding balance.) | 3.58% | — | — |
| Variable | 17.43% | — | BALANCE $0–$0 |
| Variable | 17.43% | — | BALANCE $0.01+ |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Coin handling fee — The coin handling is 1% of the total value of the coin component of all deposit and withdrawal transactions, where the total value of coins handled exceeds $1,000 per day. This fee is debited on the day the transactions are processed. This fee does not apply to deposits made via QuickCash envelopes. | Transaction | 1% of transaction |
| Dishonour Fee — $5 per payment. Charged to the account, due to insufficient available funds, when we are unable to debit the account. | Event | $5.00 |
| Note handling fee — The note handling is 0.25% of the total value of the notes component of all deposit and withdrawal transactions, where the total value of notes handled exceeds $50,000 per day. This fee is debited on the day the transactions are processed. This fee does not apply to deposits made via QuickCash envelopes. | Transaction | 0.25% of transaction |
| Overdraw Fee — If we allow you to overdraw your account or exceed your agreed Stream Working Capitallimit, you may incur an overdraw fee. | Event | $15.00 |
| Paper Statement Fee — Charged Per statement · A paper statement fee applies if you request a paper copy of an account statement at any time. | Ongoing | $5.00 |
| Line fee — A fee that is charged as set out in your Letter of Offer. Fees charged may vary due to a number of factors relating to the application. | Other | 1.12% of balance |
| Access fee - Overseas transactions — Any other cash withdrawal overseas: AUD $5 plus 3.5% of the transaction value. | Withdrawal | 3.5% of transaction |
| Access fee - Overseas transactions — Maestro (EFTPOS) or Visa Debit Card or Debit MasterCard purchase in Australian dollars: 3.5% of the transaction value. | Purchase | 3.5% of transaction |
| Access fee - Overseas transactions — Maestro (EFTPOS) or Visa Debit Card or Debit MasterCard purchase in foreign currency: 3.5% of the transaction value. | Withdrawal | 3.5% of transaction |
| Withdrawals or transfers made via telephone banking using an operator — Withdrawals or transfers made via telephone banking using an operator. | Transaction | $5.00 |
| CommBank ATMs outside Australia — The fee is charged to the account at the time of the withdrawal. This fee may be charged for each withdrawal you make through ATMs and Maestro, Cirrus, MasterCard or Visa Plus networks outside Australia. | Withdrawal | $2.00 |
| Assisted transactions — Withdrawals made over the counter at a Commonwealth Bank branch, Australia Post office or private agency (including EFTPOB/Bank@Post). | Withdrawal | $5.00 |
| Cheques transactions — Cheques written by you and negotiated through the clearing system. Cheques deposited to your account (including cheques deposited via Quick Deposits or QuickCash envelope banking). | Transaction | $5.00 |
| Assisted transactions — Cheques drawn on your account and cashed over the counter at any CommBank branch. | Transaction | $5.00 |
| Assisted transactions — Deposits made over the counter at a CommBank branch, Australia Post office or private agency (including EFTPOB/ Bank@Post). | Deposit | $5.00 |
| Quick Deposits — Deposits made via the Quick Deposit Box or QuickCash envelope banking. | Deposit | $10.00 |
| Establishment fee — This is applicable up to $750,000. Fee charged may vary due to a number of factors relating to the application and will be detailed your Letter of Offer. | Event | $250.00 – $1,500.00 |
| Establishment fee — This is applicable up to $750,000. Fee charged may vary due to a number of factors relating to the application and will be detailed your Letter of Offer. | Event | 50% of balance |

## Features

- **Card access** — Business Visa Debit Card (Access your own business funds to pay bills and suppliers online, over the phone or in person.)
- **PayID** (Rather than wait hours or days for payments from another bank to clear, receive money almost instantly, so you know exactly where your business stands financially.)
- **Bill payment (BPAY)** — BPAY View (See, track and easily pay your bills online in NetBank.)
- **Loyalty program** — CommBank Yello for Business (CommBank Yello for Business provides benefits for eligible CommBank customers, subject to terms and conditions.)
- **Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.**
- **Streamline your business banking and save time with automatic data feeds from your online banking to your accounting software.**
- **Digital banking** (You choose which invoices to use for finance, and when - the platform is available to use 24/7.)
- **Digital banking** (Stream is available on NetBank and Commbiz for your online banking needs.)
- **Digital banking** (A self-service platform that connects with Xero, MYOB, QuickBooks, providing an easily reconciled source of truth.)
- **Each assisted transaction will be chargeable. At the end of each month, the Bank will rank these transactions in the following order: 1. Quick Deposits - cash and cheque deposits 2. Cheque transactions 3. Assisted transactions.**
- **Funding is up to 80% of the value of outstanding invoices; the funding available will grow in line with your sales.**
- **No monthly account keeping fees for the Stream Working Capital Transaction Account. Other fees will be detailed in your Letter of Offer and may include: a line fee and an establishment fee.**
- **Real-time payments (NPP)** (Pay and receive payments in realtime.)
- **Use QR Cardless to withdraw cash or deposit notes, coins and cheques (subject to product eligibility) by using the latest version of the CommBank app to scan a QR code at a compatible CommBank ATM.**
- **Digital banking** (Stream Working Capital's dashboard shows real-time adjustments and balance reports to give you peace of mind about your cash flow position.)
- **Unlimited transactions** (CommBank ATM withdrawals in Australia. Each assisted transaction will be chargeable. Please note Access and NetBank Service Fees may apply. Additional fees apply for: international transactions, travellers cheques, foreign currency and sending money overseas; special banking services, such as bank cheques and special clearance of cheques.)

## Eligibility

- **Business customers** (Only Australian business may apply for the account.)
- **Issue invoices to other businesses (B2B).**
- **To use the platform, you'll need a Stream Working Capital Transaction Account to get your invoices paid into.**
- **Access to Commbiz and/or Netbank.**
- **Completion of identification and verification of the individual and business.**
- **Issue invoices in Australian dollars (AUD).**
- **Issue invoices in arrears.**

## Constraints

- **Minimum limit** — $500,000.00 (Minimum Stream Working Capital Limit of $500,000)

## More information from CommBank

- [Overview](https://www.commbank.com.au/business/loans-and-finance/stream-working-capital.html)
- [Terms & conditions](https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf)
- [Eligibility](https://www.commbank.com.au/business/loans-and-finance/stream-working-capital.html#eligibility)
- [Fees & pricing](https://www.commbank.com.au/important-info/business/business-finance.html)

## Data provenance

- Published by CommBank under the Consumer Data Right
- Product ID: `38bca0f2a8c54e828ca954325c0aea17`
- Last updated by the provider: 29 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/38bca0f2a8c54e828ca954325c0aea17
- Provider page: https://www.cdrcompare.au/brands/commbank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000008

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/commbank/products/38bca0f2a8c54e828ca954325c0aea17) — 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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