Temporary Excess Business
Access additional funds directly from your business transaction account, to manage your business cash flow or unexpected expenses.
- 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 customersA 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 customersSubject 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 — $2,000.00The minimum temporary excess limit amount is $2,000.
More Information
Published by CommBank under the Consumer Data Right · Last updated 13 May 2026 · Product ID e1cb8e2d2e8e4781a64dc7dbefaafa2d · View on CDR.gov.au