---
title: "Temporary overdrafts — 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/8d328bbee6ab4f54ae981d9f93ef3cd7
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-14T22:18:40.000Z
---

# Temporary overdrafts — 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**

Temporary overdrafts provide access to additional funds (up to an approved limit) due to an emergency.

## At a glance

- **From:** 14.9% (Variable)

## Apply

Applications are handled by the provider: [Apply at CommBank](https://www.commbank.com.au/content/dam/tmd/Temporary-Overdraft/temporaryoverdraft-tmd.pdf)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (If your Temporary Overdraft is not fully repaid once your expiry date arrives, your account will be considered overdrawn and you'll be charged the debit excess interest rate.) | 14.9% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Overdraft usage fee — No Fee charged to establish or use a Temporary Overdraft. | Event | $0.00 |

## Features

- **Any amount received into the account will be used to repay the facility.**
- **Linked to your agreed transaction account, your Temporary Overdraft lets you access additional funds (up to an approved limit) due to an emergency.**
- **No fees or interest is charged unless the account is overdrawn past the facility expiry date.**
- **Overdrawn amounts that are not repaid beyond the facility expiry date will be subject to Debit Excess interest.**
- **The additional funds can be accessed for a limited period, with a maximum term of 62 days.**
- **When the balance of their eligible CBA bank account reaches zero, customers will get access to an overdraft facility to cover expenses.**

## Eligibility

- **Employment status** — Eligible to work (Eligible to work in Australia and receiving regular income (not unemployment benefits).)
- **Minimum age** — 18 years- You are aged 18 years and above. years
- **Individuals only** (You can only use for personal, domestic or household purposes due to an emergency. Cannot be used for investment or business purposes or by trustees or nonpersonal entities.)
- **Available on accounts with a maximum of 2 account holders.**
- **Joint account holders must have equal use of the overdraft.**
- **Must already hold or be eligible to open a CommBank Everyday Account.**
- **Must have a source of funds with which to repay the Temporary Overdraft facility before the expiry date.**
- **Residency status** — Residency Status (Must have an Australian residential address.)

## More information from CommBank

- [Overview](https://www.commbank.com.au/content/dam/tmd/Temporary-Overdraft/temporaryoverdraft-tmd.pdf)
- [Terms & conditions](https://www.commbank.com.au/personal/apply-online/download-printed-forms/005-885.pdf)
- [Eligibility](https://www.commbank.com.au/content/dam/tmd/Temporary-Overdraft/temporaryoverdraft-tmd.pdf)
- [Fees & pricing](https://www.commbank.com.au/personal/apply-online/download-printed-forms/005-885.pdf)

## Data provenance

- Published by CommBank under the Consumer Data Right
- Product ID: `8d328bbee6ab4f54ae981d9f93ef3cd7`
- Last updated by the provider: 14 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/8d328bbee6ab4f54ae981d9f93ef3cd7
- 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/8d328bbee6ab4f54ae981d9f93ef3cd7) — 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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