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A personal overdraft can help you manage your cash flow by giving you access to additional funds (up to an approved limit) when you need it.
Avoid the inconvenience of overdrawing your account and paying dishonour fees - helping you feel better prepared for unexpected expenses.
It's free to set up your overdraft account. And it won’t cost you anything if you don't use it.
If you choose to use your overdraft, you’ll pay interest on the money you use plus a fee of up to $10 a month.
A personal overdraft is connected to your CommBank Everyday account, so you can enjoy easy access to extra funds once approved – from $100 up to $20,000.
You can access your overdraft using your CommBank Keycard or Debit Mastercard®, or online in NetBank and the CommBank app.
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Get the funds you need to take your next step.
With CommBank AdvancePay, you can now access money before your next pay day. Apply online in just a few minutes.
Applications are subject to credit approval. View the Personal Overdraft Terms and Conditions (PDF 438kb). Full terms and conditions will be included in our Personal Overdraft offer. Other fees and charges may be payable.