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Commonwealth Private Bank Account
CBA's Commonwealth Private Bank 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 2.10% to 2.35%.
Advertised rate
2.35%
headline tier
Tiers
7
current rate rows
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 2.10% and 2.35% over the last 30 days.
Every current rate (7)
| Tier | Rate |
|---|---|
| Variable, $500,000 to $1,000,000Amount | 0.70% |
| Variable, $250,000 to $500,000Amount | 0.70% |
| Variable, $100,000 to $250,000Amount | 0.70% |
| Variable, up to $100,000Amount | 0.70% |
| Variable, $1,000,000 to $5,000,000Amount | 1.35% |
| Variable, $5,000,000 and overAmount | 2.35% |
| Variable | 14.90% |
Rate moves, last 30 days
- 9 October 2026: 3 tiers lifted 0.25pp; the lowest, Variable, $100,000 to $250,000, from 0.45% to 0.70%.
Published fees
| Fee | Amount |
|---|---|
| Unpaid cheque or debit feewhen it happens: When we dishonour a cheque or debit presented to us because there isn't enough money in your account. | $5 |
| Account Feerecurring: There is no account fee for this product. | $0 |
| Access fee - ASB Bank ATMs in NZ and overseas CommBank ATMsper withdrawal: When you take money out at ASB ATMs in NZ or CommBank ATMs outside Australia. | $2 |
| Access fee - Other overseas cash and ATM withdrawalsper withdrawal: Any other cash withdrawals overseas will incur a fee of 3.5% of the transaction value plus a $5.00 fee. | see lender |
| Access fee - Overseas purchasesper purchase: Purchases made overseas or in Australia (e.g. | see lender |
| Assisted withdrawal feeper withdrawal | $0 |
| CBA ATM cash withdrawals in Australiawhen it happens: Free. | $0 |
| Monthly card feewhen it happens: A monthly card fee for Debit Mastercard holders with an approved World Debit Mastercard. | $10 |
Other CBA transaction accounts
CommSec Notice Investor 4.70%Capital Growth Account 4.25%Commonwealth Direct Investment Account 3.00%Pensioner Security Account 2.85%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.
Every CBA rate · every transaction account rate compared · other lenders · this product in the explorer.