---
title: "Temporary Excess Business — 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/e1cb8e2d2e8e4781a64dc7dbefaafa2d
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-14T22:18:40.000Z
---

# Temporary Excess Business — 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**

Access additional funds directly from your business transaction account, to manage your business cash flow or unexpected expenses.

## At a glance

- **From:** 16.43% (Variable)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Excess Drawing Interest Rate. Interest rate may vary depending on individual application circumstances. Rates and fees are subject to change. Fees, charges, T&Cs and eligibility criteria apply.) | 16.43% | — | — |
| Variable (Excess Debit Interest Rate. Interest rate may vary depending on individual application circumstances. Rates and fees are subject to change. Fees, charges, T&Cs and eligibility criteria apply.) | 17.43% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Establishment Fee — A one-off establishment fee when your Business Temporary Excess is applied to your account. Other fees and charges may apply. | Upfront | Variable |
| Overdraft Line Fee — Charged monthly · An Overdraft Line Fee charged monthly on your Business Temporary Excess limit or outstanding balance, whichever is highest in that period. | Ongoing | 1.7% of balance |
| Overdraft Line Fee — Charged every 3 months · An Overdraft Line Fee charged quarterly on your Business Temporary Excess limit or outstanding balance, whichever is highest in that period. | Ongoing | 1.7% of balance |
| Overdrawing Approval Fee — A fee charged when you exceed your agreed Business Temporary Excess limit on a given day. Additional interest may apply on overdrawn amounts above the temporary excess limit. | Event | $15.00 |

## Features

- **Overdraft available** (A Business Temporary Excess is a temporary limit on a business transaction account to assist business customers to manage short term fluctuations in cashflow.)
- **Overdraft available** (A Business Temporary Excess is for business customers with business purposes only.)
- **Overdraft available** (Access your temporary excess just like you would funds in your business transaction account, using an ATM, Netbank, CommBiz, EFTPOS, cheque, over the phone, in branch and the CommBank app.)
- **Overdraft available** (Manage unexpected expenses, or cover the cash flow gap between receiving payments from customers and paying your suppliers.)
- **Overdraft available** (The maximum term for a Business Temporary Excess is 90 days.)
- **Overdraft available** (You may apply to establish a Business Temporary Excess on an eligible business transaction account. Applications are subject to our normal credit approval.)

## Eligibility

- **Business customers** (A registered Australian business that includes sole traders, partnerships, trusts, limited or proprietary limited companies and if you are seeking a temporary limit for business purposes only.)
- **Business customers** (Subject to eligibility and credit criteria, a Business Temporary Excess may be suitable for businesses of any size with a cash flow need, including: sole traders, partnerships, trusts, limited or proprietary limited companies.)
- **You haven't been declared bankrupt in the last 5 years.**
- **You haven't been overdrawn or had your account in arrears anytime in the past 3 months.**
- **You haven't had any accounts in collections in the past 6 months.**

## Constraints

- **Minimum limit** — $2,000.00 (The minimum temporary excess limit amount is $2,000.)

## More information from CommBank

- [Terms & conditions](https://www.commbank.com.au/important-info/business.html#bii-banking)

## Data provenance

- Published by CommBank under the Consumer Data Right
- Product ID: `e1cb8e2d2e8e4781a64dc7dbefaafa2d`
- Last updated by the provider: 14 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/e1cb8e2d2e8e4781a64dc7dbefaafa2d
- 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/e1cb8e2d2e8e4781a64dc7dbefaafa2d) — 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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