Stream Working Capital
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.
- From
- 3.58%
- Variable
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 |
| Variable | 17.43% | — | BALANCE |
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 |
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.
Eligibility
- Business customersOnly 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 — $500,000.00Minimum Stream Working Capital Limit of $500,000
More Information
Published by CommBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 38bca0f2a8c54e828ca954325c0aea17 · View on CDR.gov.au