Business Investment Account
Feel confident knowing exactly how much your money will earn. Lock-in a competitive interest rate with our range of fixed term deposits.
- Fixed rate
- 5%
- 12–24 months
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Fixed Holding facility rate. When your funds are in the holding facility, they’re renewed at a fixed interest rate every seven days until we receive your instructions for withdrawal or reinvestment for an agreed fixed term of one month or longer. You can give us instructions at any time, once you decide what you want to do. | 0.5% | Amount | every 6 months |
| Fixed Holding facility rate. When your funds are in the holding facility, they’re renewed at a fixed interest rate every seven days until we receive your instructions for withdrawal or reinvestment for an agreed fixed term of one month or longer. You can give us instructions at any time, once you decide what you want to do. | 0.5% | Amount | yearly |
| Fixed Holding facility rate. When your funds are in the holding facility, they’re renewed at a fixed interest rate every seven days until we receive your instructions for withdrawal or reinvestment for an agreed fixed term of one month or longer. You can give us instructions at any time, once you decide what you want to do. | 0.5% | Amount | every 4 weeks |
| Fixed Holding facility rate. When your funds are in the holding facility, they’re renewed at a fixed interest rate every seven days until we receive your instructions for withdrawal or reinvestment for an agreed fixed term of one month or longer. You can give us instructions at any time, once you decide what you want to do. |
Fees
| Fee | Type | Amount |
|---|---|---|
| Prepayment administration fee If you need to withdraw money during the term, you may request withdrawal of all or part of your funds by giving the Bank 31 days' notice. A prepayment administration fee may apply to withdrawals before maturity. If you have a Flexi Business Investment Account, you can access a set portion (as determined by the Bank) of the funds, if required, without being subject to prepayment administration fees. The prepayment administration fee of $30.00 will apply for any withdrawals beyond this portion. | Event | $30.00 |
| Prepayment interest adjustment If you need to withdraw money during the term, you may request withdrawal of all or part of your funds by giving the Bank 31 days' notice. A prepayment interest adjustment may apply to withdrawals before maturity. If you have a Flexi Business Investment Account, you can access a set portion (as determined by the Bank) of the funds, if required, without being subject to a prepayment interest adjustment. The prepayment interest adjustment will apply for any withdrawals beyond this portion.The prepayment adjustment applied will depend on the percentage of the original term elapsed. The prepayment adjustment is calculated on the current balance as of the prepayment date and will apply even if the Business Investment Account has not been paid any interest up to the date of prepayment. | Event | Variable |
Features
- Digital banking
- View, track and manage your Business Investment Account alongside your other accounts in NetBank and the CommBank app.
- Notifications — Maturity reminders
- Prior to maturity, we will send you a Renewal notice. This notice will let you know what options are available and what you need to do. It will also tell you how we will treat your funds if you do not contact us before maturity.
- For renewals, you can give alternative instructions within 7 calendar days, starting on the maturity date.
- If you forget to let us know or haven't decided what to do with your funds at maturity, we'll keep them secure in a holding facility for up to six months.
- With the Flexi Business Investment Account, you can access a set portion (as determined by the Bank) of the funds, if required, without being subject to prepayment interest adjustment and administration fees. If you need to withdraw beyond this portion on the Flexi Business Investment Account, or if you need to withdraw any money from the Business Investment Account during the fixed term, you will need to give us 31 days' notice, and a prepayment interest adjustment and administration fee may apply.
Eligibility
- Business customers
- Have an eligible transaction account in the same business name
- In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable
- In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to review on a case by case basis
Constraints
- Minimum balance — $5,000.00For Business Investment Account there is no maximum limit (subject to acceptance by the Bank). For Flexi Business Investment Account, balances over $20,000,000 accepted at the Bank's discretion.
- Opening balance — $5,000.00For Business Investment Account and Flexi Business Investment Account, there is a minimum deposit of $5,000
More Information
Published by CommBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 5669534e63ea45d0b9c0b58ead071748 · View on CDR.gov.au