Features & benefits

Choose flexible terms

Choose at call or fixed terms, or a combination, and negotiate your investment pricing.

Pay $0 account fees

Enjoy no monthly account fees (standard government fees may apply).

Manage your account easily

Make most transactions over the phone or through CommBiz Markets.

Get specialised support

Work with your Relationship Manager to design a working capital solution for your organisation.

Deposit options

Fixed Term Deposit

Lock your funds away and earn competitive fixed interest rates

  • Nominate your term, from 7 days to 5 years
  • Minimum deposit of $50,000
  • Interest is calculated daily and paid monthly, quarterly, semi-annually or at maturity (for terms up to 1 year)

At Call Deposit

Earn a variable interest rate and access your money any time

  • Minimum initial deposit of $50,000
  • Minimum account balance of $10,000
  • Minimum transaction of $5,000 applies
  • Interest is calculated daily and paid monthly or quarterly

Interest rates

  • Interest rates are effective 17 March 2023 and subject to change at any time.

  • 0.25% p.a.

    On any balance. This is the Standard Variable Interest Rate on At Call Deposits.

  • To find out how interest rates are determined refer to CDA Terms and Conditions [PDF].


  • $0

    Account keeping fees1

  • Your Cash Deposit Account may be subject to Government taxes and duties (if any), which may vary by state.

How to apply

  • Download and complete the form, and submit it at any CommBank branch or with your Relationship Manager.

    Download form

  • If you want to discuss your options, contact your Relationship Manager or call 1800 643 837 Mon–Fri, 8am–4:30pm (Syd/Melb time).


A Cash Deposit Account is an all-in-one investment solution which gives you a choice of investment options within the one account. Your money can be invested in any combination of terms or at call, or fixed terms with competitive interest rates.  

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, your funds will be reinvested an at call deposit within your Cash Deposit Account.

If you need to access your funds earlier, you must provide at least 31 days notice by contacting your Relationship Manager, calling 1800 643 837 or visit us in any branch.

Things you should know

  • Other fees and charges may apply. Please see the Terms & Conditions for Cash Deposit Account [PDF]. 

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

    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].

    View Terms & Conditions for Cash Deposit Account [PDF] and consider them before making a decision about this product.