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Commonwealth Direct Investment Account
CBA's Commonwealth Direct Investment Account is a transaction account. The figures are the ones CBA publishes under the Consumer Data Right today. The advertised rate last moved on 9 October 2026, up from 2.75% to 3.00%.
Advertised rate
3.00%
headline tier
Tiers
5
current rate rows
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 2.75% and 3.00% over the last 30 days.
Every current rate (5)
| Tier | Rate |
|---|---|
| Variable, up to $49,999Balance of less than $50,000. | 2.15% |
| Variable, $1,000,000 and overBalance above $1,000,000. | 3.00% |
| Variable, $50,000 to $249,999Balance between $50,000 and $249,999. | 3.00% |
| Variable, $250,000 to $999,999Balances between $250,000 and $999,999. | 3.00% |
| Variable | 14.90% |
Rate moves, last 30 days
- 9 October 2026: Variable, up to $49,999 lifted 0.25pp, from 1.90% to 2.15%.
- 9 October 2026: Variable, $50,000 to $249,999 lifted 0.25pp, from 2.75% to 3.00%.
Published fees
| Fee | Amount |
|---|---|
| Access fee - Overseas ATMSper withdrawal: When you take money out at ASB ATMs in New Zealand or CommBank ATMs outside Australia. | $2 |
| Access fee - Overseas cash withdrawalsper withdrawal: Any other cash withdrawal overseas will incur a fee of $5.00 plus 3.5% of transaction value. | $5 |
| Access fee - Overseas cash withdrawalsper withdrawal: Any other cash withdrawal overseas will incur a fee of $5.00 plus 3.5% of transaction value. | see lender |
| Access fee - Overseas purchasesper purchase: Purchases made overseas or in Australia (e.g. | see lender |
| Assisted withdrawal feesper withdrawal: 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. | $0 |
| CBA ATM cash withdrawals in Australiaper withdrawal: Free | $0 |
| Cheques negotiated feewhen it happens: When you write a cheque that needs to be negotiated through the clearing system. | $3 |
| Overdraw feewhen it happens: A fee charged when you exceed the available funds in your account or any agreed overdraft limit on a given day. | $15 |
| Paper statement feewhen it happens: A fee charged where you ask us to give you an additional account statement outside the standard cycle. | $2.50 |
| Stamp duty on Norfolk Island chequeswhen it happens: A fee on cheques issued on Norfolk Island. | $0.20 |
| Stop payment feewhen it happens: When you ask us to stop payment on a cheque. | $15 |
| Transaction listing or ad-hoc paper statement feewhen it happens: Issue of paper copy of transaction listing, past statements or ordered statements. | $2.50 |
Other CBA transaction accounts
CommSec Notice Investor 4.70%Capital Growth Account 4.25%Pensioner Security Account 2.85%Commonwealth Private Bank Account 2.35%Farm Management Deposit account (At Call) 1.35%Cash Deposit Account (At Call) 0.25%Standard Business Cheque Account - Interest Bearing Option 0.01%
Get an email the morning CBA moves this rate.
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