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CBA / Transaction & savings
Commonwealth Direct Investment Account
A cash management account for investors allowing you to trade and transact when and where it suits you.
Updated 9 Sept 2026Individually tailored product
- Deposit rate type
- Variable
- Rate
- 0.65%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- Balance of less than $50,000.
- Unit of measure
- Dollar
- Minimum value
- $0.00
- Maximum value
- $49,999.00
- Rate application method
- Whole balance
- Additional info
- Commsec and Private Bank rates for balance less than $50,000.
- Additional info uri
- View bank information ↗
- Deposit rate type
- Variable
- Rate
- 1.9%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- Balance of less than $50,000.
- Unit of measure
- Dollar
- Minimum value
- $0.00
- Maximum value
- $49,999.00
- Rate application method
- Whole balance
- Additional info
- Self-managed superfunds (SMSF) that elect the SMSF Commonwealth direct investment account option with a balance less than $50,000.
- Additional info uri
- View bank information ↗
- Deposit rate type
- Variable
- Rate
- 1.4%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- Balance between $50,000 and $249,999.
- Unit of measure
- Dollar
- Minimum value
- $50,000.00
- Maximum value
- $249,999.00
- Rate application method
- Whole balance
- Additional info
- Commsec and Private Bank rates for balance $50,000 and $249,999.
- Additional info uri
- View bank information ↗
- Deposit rate type
- Variable
- Rate
- 1.8%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- Balances between $250,000 and $999,999.
- Unit of measure
- Dollar
- Minimum value
- $250,000.00
- Maximum value
- $999,999.00
- Rate application method
- Whole balance
- Additional info
- CommSec and Private Bank rates for balance between $250,000 and $999,999.
- Additional info uri
- View bank information ↗
- Deposit rate type
- Variable
- Rate
- 2.45%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- Balance above $1,000,000.
- Unit of measure
- Dollar
- Minimum value
- $1,000,000.00
- Rate application method
- Whole balance
- Additional info
- Commsec and Private Bank rates for balance above $1,000,000.
- Additional info uri
- View bank information ↗
- Deposit rate type
- Variable
- Rate
- 2.75%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- Balances between $250,000 and $999,999.
- Unit of measure
- Dollar
- Minimum value
- $250,000.00
- Maximum value
- $999,999.00
- Rate application method
- Whole balance
- Additional info
- Self-managed superfunds (SMSF) that elect the SMSF Commonwealth direct investment account option with a balance between $250,000 and $999,999.
- Additional info uri
- View bank information ↗
- Deposit rate type
- Variable
- Rate
- 2.75%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- Balance between $50,000 and $249,999.
- Unit of measure
- Dollar
- Minimum value
- $50,000.00
- Maximum value
- $249,999.00
- Rate application method
- Whole balance
- Additional info
- Self-managed superfunds (SMSF) that elect the SMSF Commonwealth direct investment account option with a balance between $50,000 and $249,999.
- Additional info uri
- View bank information ↗
- Deposit rate type
- Variable
- Rate
- 2.75%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- Balance above $1,000,000.
- Unit of measure
- Dollar
- Minimum value
- $1,000,000.00
- Rate application method
- Whole balance
- Additional info
- Self-managed superfunds (SMSF) that elect the SMSF Commonwealth direct investment account option with a balance over $1,000,000.
- Additional info uri
- View bank information ↗
- Lending rate type
- Variable
- Rate
- 14.9%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Repayment type
- Unconstrained
- Loan purpose
- Other
- Additional info
- The interest rate that applies to overdrawn amounts.
- Additional info uri
- View bank information ↗
- Name
- Access fee - Overseas ATMS
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $2.00
- Currency
- Aud
- Additional info
- When you take money out at ASB ATMs in New Zealand or CommBank ATMs outside Australia.
- Additional info uri
- View bank information ↗
- Name
- Access fee - Overseas cash withdrawals
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $5.00
- Currency
- Aud
- Additional info
- Any other cash withdrawal overseas will incur a fee of $5.00 plus 3.5% of transaction value.
- Additional info uri
- View bank information ↗
- Name
- Access fee - Overseas cash withdrawals
- Fee type
- Withdrawal
- Fee method utype
- rateBased
- Rate based
- Rate type
- Transaction
- Rate
- 3.5%
- Currency
- Aud
- Additional info
- Any other cash withdrawal overseas will incur a fee of $5.00 plus 3.5% of transaction value.
- Additional info uri
- View bank information ↗
- Name
- Access fee - Overseas purchases
- Fee type
- Purchase
- Fee method utype
- rateBased
- Rate based
- Rate type
- Transaction
- Rate
- 3.5%
- Currency
- Aud
- Additional info
- Purchases made overseas or in Australia (e.g. online), where the merchant is located overseas or the financial institution or entity processing the transaction is located overseas.
- Additional info uri
- View bank information ↗
- Name
- Assisted withdrawal fees
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Currency
- Aud
- Additional info
- There is no charge when you take money out at a CommBank branch, a post office, agency, with telephone banking if using an operator or by cashing a cheque.
- Additional info uri
- View bank information ↗
- Name
- CBA ATM cash withdrawals in Australia
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Currency
- Aud
- Additional info
- Free
- Name
- Cheques negotiated fee
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $3.00
- Currency
- Aud
- Additional info
- When you write a cheque that needs to be negotiated through the clearing system.
- Additional info uri
- View bank information ↗
- Name
- Overdraw fee
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $15.00
- Fee cap
- 5.00
- Fee cap period
- 1 month
- Currency
- Aud
- Additional info
- A fee charged when you exceed the available funds in your account or any agreed overdraft limit on a given day. This is charged once per account per day, irrespective of the number of overdrawing transactions that day.
- Additional info uri
- View bank information ↗
- Name
- Paper statement fee
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $2.50
- Currency
- Aud
- Additional info
- A fee charged where you ask us to give you an additional account statement outside the standard cycle.
- Additional info uri
- View bank information ↗
- Name
- Stamp duty on Norfolk Island cheques
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.20
- Currency
- Aud
- Additional info
- A fee on cheques issued on Norfolk Island.
- Additional info uri
- View bank information ↗
- Name
- Stop payment fee
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $15.00
- Currency
- Aud
- Additional info
- When you ask us to stop payment on a cheque.
- Additional info uri
- View bank information ↗
- Name
- Transaction listing or ad-hoc paper statement fee
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $2.50
- Currency
- Aud
- Additional info
- Issue of paper copy of transaction listing, past statements or ordered statements.
- Additional info uri
- View bank information ↗
- Name
- Unpaid cheque or debit fee
- Fee type
- Dishonour
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $5.00
- Fee cap
- 5.00
- Fee cap period
- 1 month
- Currency
- Aud
- Additional info
- When we dishonour a cheque or debit presented to us because there isn't enough money in your account. We may waive certain fees or charges at our discretion. The failure by us to charge any fee or charge does not constitute a waiver of that fee or charge in the future.
- Additional info uri
- View bank information ↗
- Feature type
- Additional cards
- Additional value
- 4
- Additional info
- We may limit the number of cards that may be issued or linked to a single account or customer profile.
- Feature type
- Card access
- Additional value
- Debit Mastercard
- Additional info
- Use instore, online and withdraw local currency at locations, everywhere Mastercard is accepted. Choose a Debit Mastercard with your CommBank account and pay for things using your card, smartphone or wearable. You may receive access to other features and benefits associated with your Debit Mastercard subject to terms and conditions.
- Additional info uri
- View bank information ↗
- Feature type
- Npp enabled
- Additional info uri
- View bank information ↗
- Feature type
- Npp payid
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Link your CDIA to eligible CommSec and CommBank investment products to enjoy the convenience of settling trades with ease and access lower brokerage with CommSec. Subject to terms and eligibility criteria.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Maintain easy access to funds and receive discounted brokerage with CommSec.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Trade and transact, anywhere, anytime, with full access to your funds.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.
- Additional info uri
- View bank information ↗
- Feature type
- Unlimited txns
- Additional info uri
- View bank information ↗
- Eligibility type
- Min age
- Additional value
- 18
- Additional info
- You can apply if you are 18 years and over (except where accounts are held in trust for a minor).
- Additional info uri
- View bank information ↗
- Eligibility type
- Other
- Additional info
- You can apply if you are opening the account in a personal, joint, company, SMSF or trust name.
- Additional info uri
- View bank information ↗
- Eligibility type
- Other
- Additional info
- You must be an Australian registered or incorporated company; Australian Trust or Self-Managed Super Fund (SMSF).
- Additional info uri
- View bank information ↗
- Eligibility type
- Other
- Additional info
- You must have an Australian residential address.
- Additional info uri
- View bank information ↗
- Constraint type
- Max limit
- Additional value
- 2000.00
- Additional info
- There is a $2,000 limit on the amount of cash you can take out each day using a Debit MasterCard at an ATM or in store at an EFTPOS terminal. The daily limit is the total you can take out from all accounts linked to your card.
- Additional info uri
- View bank information ↗
No bundles were provided.