Help & support
Available from 10 October 2025 for a limited time only. Conditions apply.1
Easily manage your SMSF cash and investments across a seamless CommSec and CommBank experience.
Commonwealth Direct Investment Account (CDIA)
CDIA is a central cash management account for your SMSF. Integrated with a CommSec Australian Share trading account, you’ll have access to domestic shares and ETFs.
CommSec Notice Investor
A flexible cash option designed to help you earn a higher interest rate of up to 3.70% p.a.2 on the funds. The longer your notice period, the higher the interest rate. You’ll need a CDIA before you apply.
Term Deposits
Enjoy the certainty of knowing what your money will earn. Lock in a competitive interest rate for terms from one month to five years.
CommSec Australian Shares
For ease, a CommSec Australian Share trading account will automatically be opened if you use CDIA as your SMSF’s cash management account, giving you access to over 2,000 shares and ETFs listed on the Australian Securities Exchange (ASX).
International Shares Trading account
Start trading in up to 13 global markets with a CommSec International Shares account and your SMSF cash management account (CDIA).
Current offers for eligible customers
When you fund your CDIA with $5,000. Limited time offer. Terms and conditions apply.
We’re offering a special rate of 4.00% p.a. on a 24 to 33-month term, available from 10 October 2025 for a limited time only. Conditions apply.1
Manage your SMSF cash and investment options with one cash management account. Choose how much to invest and when to rebalance your portfolio in one place.
You’ll need your SMSF and trustee details (as reflected in your SMSF trust deed), and a valid TFN and ABN for your SMSF.
Once you have all your details, you can open a bundled CDIA and share trading account.
Once you’re set up, you’ll be able to invest in shares and ETFs or open a Term Deposit for your SMSF.
Looking for more information about SMSFs? Explore the SMSF Resource Centre for some key topics on starting, managing and growing your SMSF portfolio.
SMSF Resources
What is an SMSF? How do you set one up? How does investing work in an SMSF?
Explore articles and download checklists to help you on your SMSF journey.
Is an SMSF right for you?
Discover the benefits and responsibilities of managing an SMSF.
Learn how they work, who they might suit, and what to consider before taking control of your retirement savings.
A Self-Managed Super Fund (SMSF) is a private superannuation fund that you manage yourself, giving members direct control over how your retirement savings are invested. Unlike retail or industry super funds, SMSFs are typically run by their members, who are also the trustees. This means members and trustees are responsible for making investment decisions and ensuring the fund complies with laws such as superannuation and tax.
With an SMSF, you decide where your money goes and how you invest your money, providing you with some of the following benefits:
As much as there are benefits to an SMSF there are also risks and responsibilities that trustees should consider, such as:
Setting up an SMSF involves things such as:
Before initiating a rollover from an APRA-regulated fund (like an industry or retail super fund), the SMSF should meet several requirements:
Once these are in place, you can request a rollover from your existing fund.
Before initiating a rollover, review any existing insurance policies and other benefits. These do not automatically transfer to your SMSF, so you may need to arrange new cover separately.
Read more on how to roll over your super and make contributions to your SMSF
SMSFs can invest in a wide range of assets, provided they comply with superannuation laws and the fund’s investment strategy. Common options are Cash based options such as Cash Management Accounts, Shares such as Australian Shares or ETF’s as well as things like property.
An investment strategy is a plan that outlines how a Self-Managed Super Fund (SMSF) will invest its assets to achieve the financial goals of its members. It considers, diversification, risk, liquidity and the funds objectives.
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This information may include general advice but does not take into account your individual objectives, financial situation, needs or tax circumstances, and so you should consider the appropriateness of the advice having regard to your circumstances before acting on it. You should consider seeking independent professional financial, tax and/or legal advice before making any decision based on this information.
CommSec products
2 Interest rates are subject to change.
Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 (CommSec) is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. CommSec is a Market Participant of ASX Limited and Cboe Australia Pty Limited, a Clearing Participant of ASX Clear Pty Limited and a Settlement Participant of ASX Settlement Pty Limited. The Commonwealth Direct Investment Account (CDIA) and CommSec Notice Investor are issued by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. These products are administered by Commonwealth Securities Limited. The target markets for the CommSec Notice Investor and Commonwealth Direct Investment Account can be found within the products' Target Market Determination, available at commbank.com.au/tmd.
The information has been prepared without taking into account your objectives, tax and financial situation or needs. For this reason, any individual should, before acting on this information, consider the appropriateness of the information, having regards to their objectives, tax and financial situation or needs, and, if necessary, seek appropriate professional advice.
You can view the CommSec Notice Investor Terms and Conditions, CommSec Share Trading Terms and Conditions (PDF), Best Execution Statement, International Shares Terms and Conditions, CommBank Transaction Savings and Investment Account Terms and Conditions and our Financial Services Guide (PDF) and should consider them before making any decision about these products and services.
Investing in overseas markets exposes you to risks including those related to movements in foreign currency exchange rates and market prices.
Term Deposit
1 Available on balances from $5,000 to $1,999,999 with interest paid annually.
This special offer is available on Term Deposits opened or renewed by Self-Managed Super Fund (SMSF) customers only. The offer is not available to all other Personal and Business customers (including Financial Institutions). SMSF customers can access this special offer online via NetBank and the CommBank App, or visit their nearest branch. For renewing SMSF Term Deposits, customers can call 13 1998.
The target market for this product will be found within the product’s Target Market Determination.
This information has been prepared without considering your objectives, tax and financial situation or needs. You should, before acting on this, consider the appropriateness of the product to your circumstances.
General Information and Terms and Conditions for Term Deposits and Electronic Banking are available here or from any branch of the Commonwealth Bank.
Please view our Financial Services Guide (PDF).
Interest rates on offer may vary at any time without notice.
