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CBA / Transaction & savings
Everyday Offset
Everyday Offset is a transaction account which is linked to an eligible home loan, and account holder(s) must also be account holders of the linked home loan. Interest is not charged on the part of the Home Loan balance equal to the Transaction account. Full terms and conditions for transaction and savings accounts are available at CommBank.com.au or from any branch of the Commonwealth Bank. Fees and charges apply.
Updated 9 Sept 2026Individually tailored product
No deposit rates were provided.
- Lending rate type
- Variable
- Rate
- 14.9%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Interest payment due
- In arrears
- Repayment type
- Interest only
- Loan purpose
- Owner occupied
- Additional info
- The interest rate that applies on overdrawn amounts. This is calculated daily and charged monthly.
- Additional info uri
- View bank information ↗
- Name
- Unpaid cheque or debit fee
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $5.00
- 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 ↗
- 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
- A fee charged for paper copies of your transaction listing, past statements or ordered statements.
- Additional info uri
- View bank information ↗
- Name
- Overdraw fee
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $15.00
- 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. Additional interest may apply on overdrawn amounts.
- Additional info uri
- View bank information ↗
- Name
- Account fee
- Fee type
- Periodic
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Currency
- Aud
- Additional value
- 1 month
- Additional info
- There is no Monthly Account Fee.
- Additional info uri
- View bank information ↗
- Name
- Paper Statement Fee - Standard Cycle
- Fee type
- Periodic
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Currency
- Aud
- Additional value
- 6 months
- Additional info
- There is no charge for paper statements issued within our standard cycle (six months).
- Additional info uri
- View bank information ↗
- Name
- Access fee - ASB Bank ATMs in NZ and overseas CommBank ATMs
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $2.00
- Currency
- Aud
- Discounts
- Description
- When you make an international purchase, or withdraw cash at an ATM overseas using an eligible World Debit card, the access fee will be $0.
- Discount type
- Eligibility only
- Discount method utype
- fixedAmount
- Fixed amount
- Amount
- $2.00
- Eligibility
- Discount eligibility type
- Other
- Additional info
- This discount is only available to customers who withdraw cash using an eligible World Debit Mastercard. Other card types or withdrawal methods may not be eligible for this discount.
- Additional info uri
- View bank information ↗
- Additional info
- When you take money out at ASB ATMs in NZ or CommBank ATMs outside Australia.
- Additional info uri
- View bank information ↗
- Name
- Access fee - Other overseas cash and ATM withdrawals
- Fee type
- Withdrawal
- Fee method utype
- rateBased
- Rate based
- Rate type
- Transaction
- Rate
- 3.5%
- Amount range
- Fee minimum
- 5.00
- Currency
- Aud
- Discounts
- Description
- When you make an international purchase, or withdraw cash at an ATM overseas using an eligible World Debit card, the access fee will be $0.
- Discount type
- Eligibility only
- Discount method utype
- rateBased
- Rate based
- Rate type
- Transaction
- Rate
- 3.5%
- Amount range
- Discount minimum
- 5.00
- Eligibility
- Discount eligibility type
- Other
- Additional info
- Eligible World Debit Mastercard
- Additional info uri
- View bank information ↗
- Additional info
- Any other cash withdrawals overseas will incur a $5.00 fee plus 3.5% of the 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
- Discounts
- Description
- Where your international purchases are made using an eligible World Debit Mastercard, the access fee will be $0.
- Discount type
- Eligibility only
- Discount method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Eligibility
- Discount eligibility type
- Other
- Additional info
- The $0 access fee applies only when international purchases are made using an eligible World Debit Mastercard.
- Additional info uri
- View bank information ↗
- Additional info
- Purchases made overseas or in Australia (e.g. online), where the merchant is located overseas or the financial institution or entity processing transaction is located overseas.
- Additional info uri
- View bank information ↗
- Name
- Staff assisted withdrawals
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Currency
- Aud
- Additional info uri
- View bank information ↗
- Name
- CBA ATM cash withdrawals in Australia
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Currency
- Aud
- Additional info
- Free
- Additional info uri
- View bank information ↗
- Name
- Cheque negotiated fee
- Fee type
- Transaction
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- 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
- Monthly card fee
- Fee type
- Periodic
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $10.00
- Currency
- Aud
- Additional value
- 1 month
- Additional info
- A monthly card fee for Debit Mastercard holders with an approved World Debit Mastercard.
- Additional info uri
- View bank information ↗
- Feature type
- Card access
- Additional value
- Link to Existing Card
- Feature type
- Card access
- Additional value
- Debit Mastercard
- Additional info
- Use instore, online and withdraw local currency at millions of 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 eligibility, approval and terms and conditions.
- Additional info uri
- View bank information ↗
- Feature type
- Additional cards
- 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
- World Debit Mastercard
- Additional info
- World Debit Mastercard is a premium debit card that can be linked to your CommBank transaction account, and can be used everywhere Mastercard is accepted. Enjoy additional exclusive features and benefits with the World Debit Mastercard, subject eligibility, approval, and terms and conditions. Fees apply.
- Additional info uri
- View bank information ↗
- Feature type
- Loyalty program
- Additional value
- CommBank Yello
- Additional info
- CommBank Yello provides benefits for eligible CommBank customers, subject to terms and conditions.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.
- Additional info uri
- View bank information ↗
- Feature type
- Digital banking
- 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
- Npp payid
- Additional info
- Get faster payments between participating banks, anytime with a PayID.
- Additional info uri
- View bank information ↗
- Feature type
- Npp enabled
- Additional info
- Pay and receive near real-time payments.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- There is no minimum balance needed for the offset to be applied to your home loan.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Maximise the benefits of offsetting by linking multiple Everyday Offset accounts to a Standard Variable Rate (Owner Occupied or Investment) Home Loan or Simple Home Loan, provided they're in the name(s) of the loan borrowers. You can link a maximum of 99 Everyday Offset accounts per Standard Variable Rate Home Loan and a maximum of two Everyday Offset accounts per Simple Home Loan. You can only link a maximum of one Everyday Offset account per Digi Home Loan. Each Everyday Offset account can only be linked to one home loan at a time. Existing eligible CommBank accounts can be switched to an Everyday Offset account.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- You are not required to have a card to use this product.
- Feature type
- Other
- Additional info
- An Everyday Offset can be linked to a Standard Variable Rate Home Loan (Owner Occupied or Investment), Digi Home Loan or Simple Home Loan. Any money you put into your Everyday Offset reduces the balance on which we charge interest. However, you do not earn interest on the balance in your Everyday Offset, even if the balance exceeds the balance of the home loan.
- Additional info uri
- View bank information ↗
- Eligibility type
- Other
- Additional info
- Available to personal customers with a Standard Variable Rate Home Loan (Owner Occupied or Investment), Digi Home Loan or Simple Home Loan.
- Additional info uri
- View bank information ↗
- Eligibility type
- Other
- Additional info
- Everyday Offset must be in the same name(s) as the borrowers on the home loan. You can open an Everyday Offset in your name or jointly with your Co-Borrower(s).
- Additional info uri
- View bank information ↗
No limits & conditions were provided.
No bundles were provided.