About the Cash Deposit Account

A Cash Deposit Account is the all in one investment solution which gives you a choice of investment alternatives within the one account.

Your money can be invested in any combination of terms or at call, all attracting competitive interest rates.  

Features include:

  • Invest in a combination of at-call or fixed terms
  • Choose the term of your deposit, from overnight to five years
  • No account-keeping fees (standard government fees may apply)
  • Make most transactions over the phone or through Commbiz Markets

Your business banker​ will work in partnership with you to design a comprehensive working capital solution customised for your organisation.

Choose your options

  • Earn competitive fixed interest rates for a term you nominate
  • Minimum initial and ongoing deposit of $50,000
  • Terms from seven days to five years
  • Interest is calculated daily and paid monthly, quarterly, semi-annually or at maturity (for terms up to one year)
  • On the maturity date of your Fixed Term Deposit, unless you have provided instructions to withdraw all or part of your Fixed Term Deposit at maturity, the Bank will automatically reinvest your funds as an At Call Deposit within your CDA.
  • Earn a variable interest rate while your money is readily available
  • Minimum initial deposit of $50,000
  • Minimum balance of $10,000
  • Minimum transaction of $5,000 applies
  • Interest is calculated daily and paid monthly or quarterly

Withdrawals and deposits are made by phoning your relationship manager, visiting a branch of the Bank, or by phoning 13 15 23 Monday to Friday, 8:00am to 4:30pm Sydney time.


Standard Variable Interest Rate on At Call Deposits 


Interest Rate


0.01% p.a.1

This is the standard interest rate applicable on CDA At Call. For further information on how interest rates are determined, refer to the CDA Terms and Conditions.

Details of current interest rates are available on request from your relationship manager, any branch of the Bank or by phoning 13 15 23 Monday to Friday, 8:00am to 4:30pm Sydney time. 

Fees & Charges

There are no set up or establishment fees.

If you want to withdraw your Term Deposit before it matures you’ll need to give us 31 days' notice. You may incur a prepayment interest adjustment and administration fee.

Important information

1These rates are current as at 27 March 2020, but are subject to change at the Bank’s discretion.

This information has been prepared without considering your objectives, financial situation or needs. Before acting on this information, please consider its appropriateness to your circumstances. Cash Deposit Account is issued by the Commonwealth Bank of Australia. View our Financial Services Guide (PDF 59kb).

View terms and conditions for Cash Deposit Account (PDF 619kb) and consider them before making a decision about this product.