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Term Deposit

Term deposit

Provides a fixed interest rate with a range of terms and interest payment options, if you don’t need instant access to your money.

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  • Open an account with a minimum of $5,000
  • Choose the term of your deposit

Cash Deposit Account

Cash deposit account

One account that separates your investment funds into any combination of at-call, fixed term, or security investments (bank bills). 

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  • Choose the term of your deposit, from overnight to five years
  • No account-keeping fees 

Business Online Saver

Business Online Saver

A self-service at-call account with a competitive high interest rate when $10,000 or more is held in the account.

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  • Instant access to your funds
  • Interest is calculated daily and paid monthly

Security Investments

Security investment

Known as bills of exchange, they provide flexibility and competitive returns.

 

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  • Minimum investment amount of $100,000
  • Terms from 30 to 180 days
  • No account-keeping fees

Capital Growth Account

Capital Growth account

Self-service online account that pays competitive market linked variable interest rates and provides flexibility in cash forecasting.

 

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  • Offers competitive variable rates on your surplus working capital
  • Select from a range of notice periods
  • Complete self-service through CommBiz

Farm Management Deposit Account

Farm management deposit account

A tax-effective investment that allows primary producers to set aside pre-tax income in good years to establish cash reserves and meet costs in other times.

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  • Allows for deposit amounts to be deducted from assessable income, with interest paid on 100 per cent of eligible deposits

Commercial Paper

Commercial paper

Available for investments of $500,000 or more for a short term (usually between seven and 185 days).

  • Provides access to higher rates of return than those generally available on other short-term investments

Learn more about short-term investments

CommSec reports

CommSec reports

The CommSec website has a wealth of information to help you keep up to date with changes in the market.

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Manage and invest money

Manage and invest money

The amount of money available to invest in your business will change from year to year and is highly dependent on seasonal income. Our short- and long-term investment options recognise this.

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Managing cash flow

Managing cash flow

Successfully managing cash flow is essential if you want your business to survive.

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Get innovative

Get innovative

Many small business owners are full of good ideas. Unfortunately, though, they are often too busy dealing with day-to-day matters to put those moments of inspiration into practice.

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Important information

This advice has been prepared without considering your objectives, financial situation or needs. Before acting on this advice, please consider its appropriateness to your circumstances.

Commonwealth Bank of Australia issues all products mentioned on this webpage. View our Financial Services Guide (PDF 59kb). View disclosure documents for Term Deposit (PDF 247kb)Farm Management Deposit Account General Information and Terms & Conditions (PDF 2.53mb), Cash Deposit Account (PDF 619kb), Capital Growth Account

Security Investments - Negotiable Certificates of Deposit (issued by the Commonwealth Bank of Australia) (PDF 429kb) and Security Investments - Negotiable Certificates of Deposit (issued by a bank other than the Commonwealth Bank of Australia (PDF 393kb) and consider them before making any decision about these products. If you have a complaint, call the Bank’s dispute resolution team on 13 2221.

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