Capital Growth Account
An account that lets you save and top-up your balance, with flexibility to access your funds by providing notice.
- Base rate
- 4%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable It is not the intention of your CGA to become overdrawn and as such any overdrawn account will be charged excess debit interest that will be calculated daily and charged to your account on the 1st day of each month or when the account is closed. | 17.43% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable The interest rate applies on Balance on Hold for the Capital Growth Account with a Notice period of 2 days. | 3.25% | — | monthly |
| Variable The interest rate applies on Balance on Notice for the Capital Growth Account with a Notice period of 2 days. | 2.1% | — | monthly |
| Variable The interest rate applies on Balance on Call for the Capital Growth Account with a Notice period of 2 days. | 0% | — | monthly |
| Variable The interest rate applies on Balance on Hold for the Capital Growth Account with a Notice period of 7 days. | 4% | — | monthly |
| Variable The interest rate applies on Balance on Notice for the Capital Growth Account with a Notice period of 7 days. | 2.1% | — | monthly |
| Variable The interest rate applies on Balance on Call for the Capital Growth Account with a Notice period of 7 days. | 0% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Account Keeping Fee Charged monthly · No account keeping fees | Ongoing | $0.00 |
| Transaction Fee No Transaction fees | Transaction | $0.00 |
Features
- Variable interest rates.
- Digital banking
- Manage online at any time. View, track and manage your account on CommBiz, Netbank and the CommBank App.
- Choose from a range of notice periods. Our notice periods range from 2 to 370 days so you can tailor your returns based on your business needs.
- Funds available after — 90 days
- You need to notify us to access the money in your Capital Growth Account. Once you've submitted a notice request online for some or all of your funds, you'll have to wait for the duration of your notice period before your money is available.
- Funds available after — 185 days
- You need to notify us to access the money in your Capital Growth Account. Once you've submitted a notice request online for some or all of your funds, you'll have to wait for the duration of your notice period before your money is available.
- Funds available after — 7 days
- You need to notify us to access the money in your Capital Growth Account. Once you've submitted a notice request online for some or all of your funds, you'll have to wait for the duration of your notice period before your money is available.
Eligibility
- Business customers
- For notice periods of 35 days and above, you will need to have a Relationship Manager to apply. 2 and 7 day notice period accounts are not available for Financial Institutions. 35, 60 and 90 days' notice periods are only available for Financial Institutions at the Bank's discretion.
- 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
- Opening balance — $500,000.00For notice periods of 35 days and above, there is a minimum initial deposit of $500,000.
More Information
Published by CommBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID bfb76d44264b45b7b8edd61dca13aa94 · View on CDR.gov.au