Money / Banks
CommBank
What CommBank publishes about its products under the Consumer Data Right, as at 16 October 2026. For current details, check CommBank's own website.
Savings and transaction accounts
Rates for a $10,000 balance. Compare with other banks.
| Account | If you miss the conditions | Bonus | With the bonus | What you have to do |
|---|---|---|---|---|
| Business Online Saver | 0.55% | – | 0.55% | No bonus |
| Capital Growth Account | 0.00% | – | 0.00% | No bonus |
| Cash Deposit Account (At Call) | 0.25% | – | 0.25% | No bonus |
| Commonwealth Direct Investment Account | 0.75% | – | 0.75% | No bonus |
| Commonwealth Private Bank Account | 0.70% | – | 0.70% | No bonus |
| CommSec Notice Investor | 0.00% | – | 0.00% | No bonus |
| Farm Management Deposit account (At Call) | 0.01% | – | 0.01% | No bonus |
| Foreign Currency Account (Business) changed 16 Oct | 0.00% | – | 0.00% | No bonus |
| Foreign Currency Account (Retail) changed 16 Oct | 0.00% | – | 0.00% | No bonus |
| GoalSaver | 0.10% | 5.15% | 5.25% |
In the bank's wordsWe pay bonus interest on top of the standard variable credit interest rate on credit balances if you have a higher account balance at the end of the month compared to the account balance at the start of the month (excluding interest and bank-initiated transactions). |
| NetBank Saver | 2.30% | – | 2.30% | No bonus New accounts: an extra 3.20% for 5 months |
| Pensioner Security Account | 0.05% | – | 0.05% | No bonus |
| SMSF Saver | 4.90% | – | 4.90% | No bonus |
| Standard Business Cheque Account - Interest Bearing Option | 0.01% | – | 0.01% | No bonus |
| Youthsaver Account | 2.35% | 2.95% | 5.30% |
Bonus only on balances up to $50,000 Up to age 17 In the bank's wordsWe pay bonus interest on top of the standard variable credit interest rate on credit balances if you have a higher account balance at the end of the month compared to the account balance at the start of the month (excluding interest and bank-initiated transactions). |
Term deposits
The rate for $10,000 (or the smallest deposit it takes). Compare with other banks.
| Product | 3 months | 6 months | 12 months | 24 months | Smallest deposit |
|---|---|---|---|---|---|
| Business Investment Account | 3.40% | 3.55% | 5.30% | 4.70% | $5,000 |
| Farm Management Deposit account (Fixed Term) | 4.25% | 4.80% | 5.10% | 5.00% | $1,000 |
| Standard Term Deposit | 3.30% | 4.95% | 5.30% | 5.15% | $5,000 |
| TD Immigration (DIMIA) Bank Guarantee | – | – | – | – | $2,000 |
| TD Parent Visa Bank Guarantee | – | – | – | – | $4,000 |
Home loans
Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.
| Loan | Variable | Comparison |
|---|---|---|
| 1 Year Fixed Rate Home Loan (Owner Occupied) | – | – |
| 2 Year Fixed Rate Home Loan (Owner Occupied) | – | – |
| 3 Year Fixed Rate Home Loan (Owner Occupied) | – | – |
| 4 Year Fixed Rate Home Loan (Owner Occupied) | – | – |
| 5 Year Fixed Rate Loan (Owner Occupied) | – | – |
| Digi Home Loan (Owner Occupied) | 6.39% | 6.41% |
| Simple Home Loan (Owner Occupied) others pay 6.74% | 6.74% | 6.88% |
| Standard Variable Rate Home Loan (Owner Occupied) others pay 6.74% | 6.74% | 7.11% |
Credit cards
| Card | Purchases | Annual fee | Owing $2,000 |
|---|---|---|---|
| Business Platinum credit card | 20.74% | $300 | $715 |
| CommBank Neo Card | 0.00% | $180 | $180 |
| CommBank Qantas Business Rewards Credit Card | 19.99% | $0 | $400 |
| Corporate charge card | 17.99% | $0 | $360 |
| Corporate Interest Free Days card | 17.57% | $0 | $351 |
| Corporate Low Rate card | 14.55% | $0 | $291 |
| Interest-Free Days credit card | 17.57% | $60 | $411 |
| Interest-free Low Fee credit card | 0.00% | $120 | $120 |
| Low Fee credit card | 20.99% | $36 | $456 |
| Low Rate credit card | 13.99% | $72 | $352 |
| Low Rate credit card | 14.55% | – | $291 |
| Procurement Management Account | 17.99% | $120 | $480 |
| Smart credit card | 20.99% | $228 | $648 |
| Ultimate credit card | 20.99% | $149 | $569 |
Other products in these groups
These don't list rates we can show in a table (for example, accounts that pay no interest).
- 1 year Fixed Rate Home Loan (Investment) Home loans
- 2 year Fixed Rate Home Loan (Investment) Home loans
- 3 year Fixed Rate Home Loan (Investment) Home loans
- 4 year Fixed Rate Home Loan (Investment) Home loans
- 5 year Fixed Rate Home Loan (Investment) Home loans
- Awards credit card Credit cards
- Business Transaction Account Savings and transaction accounts
- Cash Deposit Account (Fixed Term) Savings and transaction accounts
- Digi Home Loan (Investment) Home loans
- Everyday Offset Savings and transaction accounts
- Simple Home Loan (Investment) Home loans
- Smart Access Savings and transaction accounts
- Society Cheque Account Savings and transaction accounts
- Standard Variable Rate Home Loan (Investment) Home loans
- Streamline Basic Savings and transaction accounts
- Virtual Cards Credit cards
Rates changed on 838 products since 12 October 2026. Each one is marked "changed" below.
General information, not advice. This shows what banks publish. It doesn't recommend any product, and the order of a table is not a ranking. Rates change, so check the bank's own page for current details before you decide anything.
Source: CommBank product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at CommBank, which has the current details.