Features & benefits

Earn guaranteed returns on your investment

If you don’t need immediate access to your funds, you can maximise your surplus cash by earning a guaranteed rate of return.

Choose from a range of terms

Our flexible terms range from just 8 days to 5 years, so you can tailor your returns based on your business needs. 

Manage online at any time

View, track and manage your Business Investment Account alongside your other accounts in NetBank and the CommBank app.

Added flexibility of a holding facility

If you forget to let us know or haven’t decided what to do with your funds at maturity, we’ll keep them secure in a holding facility for up to six months.

Rates & fees

Here are the fixed interest rates for deposits between $5,000 and $1,999,999.1

If you're looking to invest more than $1,999,999 or are a Financial Institution customer, contact your Relationship Manager or call 1800 643 837 Mon - Fri, 8 am to 4:30pm (AEST).

Interest rate
Interest paid
1 month
1.25% p.a.
At the end of the term
3 months
3.50% p.a.
At the end of the term
5 months
3.65% p.a.
At the end of the term
6 months
3.75% p.a.
At the end of the term
12 months
4.25% p.a.
24 months
4.00% p.a.
60 months
4.00% p.a.
Latest interest rates as of 27 June 2023. Rate applies for a single term. Higher or lower rates may apply for subsequent terms. Rates on offer may vary at any time without notice.
Fees & charges
  • There are no set up or establishment fees.
  • If you want to withdraw your Business Investment Account before it matures, you’ll need to give us 31 days' notice. Early withdrawal may reduce returns and you may incur a prepayment interest adjustment and administration fee.

See more Business Investment Account rates [PDF]



How to apply

  • Open online

    You can open an account online if you’re:

    • A sole trader
    • A sole director of an Australian private company (Pty Ltd)
    • Self Managed Super Fund

    You’ll need to have an existing NetBank ID and CommBank business transaction account in the same name. You’ll use this account to transfer funds across to open your Business Investment Account. 

    Open now

  • Contact us

    Or you can visit your local branch, contact your Relationship Manager or call us at on 1800 643 837 Monday to Friday, 8:00am to 4:30pm (Sydney/Melbourne time).

Tracking & managing your investment

  • You can easily view, track and manage your Business Investment Account alongside your other accounts in NetBank and the CommBank app. Here, you can opt-in for free account alerts (email or NetBank notifications) and e-notices.

    Roughly a week before your Business Investment Account matures, we'll send you a letter with your options:

    1. Renew your Business Investment Account for another term to immediately lock in a new fixed interest rate. You can also top it up with additional funds or withdraw a portion of your funds.
    2. Withdraw your investment, including the interest you’ve earned.
    3. Place in holding facility while you decide what to do. If you don’t provide instructions, your funds will be placed in our holding facility and continue to earn an applicable interest rate (paid weekly)^. 

    You can let us know your maturity instructions through NetBank or by contacting your Relationship Manager, visiting any branch or by calling 1800 643 837 Mon - Fri, 8:00am to 4:30pm (Sydney/Melbourne time).

Things you should know

  • The above interest rates are not applicable to Financial Institution customers. If you are a Financial Institution customer, please contact your Relationship Manager for details of the interest rates available on your Business Investment Account.

    ^ If you don't provide instructions for your Business Investment Account at maturity, your funds will be automatically placed into our Business Investment Account holding facility. When your funds are in the holding facility, they're renewed at a fixed interest rate every seven days until we receive your instructions. You can give us instructions at any time, once you decide what you want to do. Holding facility funds earn an interest rate, which may be lower than the rate offered for a fixed term and may be subject to change. If your funds have been left in the Business Investment Account holding facility for more than 6 months, we'll automatically renew your funds as a rolling 1 month term at the standard interest rate at the time, until you provide us with instructions.

    The target market for this product will be found within the product’s Target Market Determination.

    This information has been prepared without taking into account your individual or business needs and objectives. You can view the General Information and Terms and Conditions for Business Investment Accounts and our Financial Services Guide and should consider them before making any decision about these products and services.

    Interest rates on offer may vary at any time without notice.