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Investing / Commonwealth Direct Investment Account

Features & benefits

Cash account for trading

Link your CDIA to our CommSec Trading Account to enjoy lower brokerage costs and the convenience of settling trades without the need to transfer between accounts. 

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Manage your investments

Save and transact at anytime, anywhere with full access to your money.

Our SMSF account could help you grow
 
Get competitive interest rate and seamless share trading with discounted brokerage.
 

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Rates & fees

View the latest rates

Fee Type
Fee
Conditions
Monthly account fee
$5
No fee applied for CDIA accounts linked to CommSec Trading Account, or SMSF option.
Withdrawal fee
CommSec Applicants
Electronic Transfers: Unlimited
Assisted Transfers: 2 free per month

SMSF Applicants
Electronic Transfers: Unlimited
Assisted Transfers: Unlimited

Other Applicants1:
Electronic Transfers: Unlimited
Assisted Transfers: 2 free per month
   
Other fees
For more information on fees and charges that may apply, please read the Transaction, Savings and Investment Terms and Conditions.
   

How to apply

CDIA & CommSec Share Trading Account

Settle your trades directly and enjoy lower brokerage.

Open a Commonwealth Direct Investment Account (CDIA) and a CommSec Share Trading Account together online now.

Already got a CommSec Share Trading Account?

Open a CDIA in CommSec. Simply follow the prompts to add a CDIA to your list of accounts.

Login to CommSec

CDIA only

Open a Commonwealth Direct Investment Account for your SMSF online.

For all other CDIA applications visit your nearest branch.

Who can apply?

You can apply if you:

  • Are 18 years and over (except where accounts are held in trust for a minor)
  • Are opening the account in a personal, joint, company, SMSF or trust name
  • Have an Australian residential address

You may need the following handy:

  • ID e.g. driver’s licence
  • SMSF name and ABN
  • Certified copy of the Trust Deed
  • Company details (if applicable)

Tools & support

Tools

Guidance

FAQs

See all bank account FAQs

We can help

Things you should know

1For accounts opened on or before 31 October 2012: please refer to your Offer Confirmation Letter (available on NetBank)

The target market for this product can be found within the product’s Target Market Determination, available at commbank.com.au/tmd.

Commonwealth Direct Investment Account (CDIA) is a product of the Commonwealth Bank.  CDIA is marketed and administered by CommSec.  The information on this website has been prepared without considering your objectives, financial and taxation situation or needs. You should, before acting on this information, consider its appropriateness to your circumstances and consider seeking professional advice. Please view our Financial Services Guide (PDF68KB). Full terms and conditions for CDIA are available here or from any branch of the Commonwealth Bank. Other fees may apply.

To be eligible for discount brokerage you’re required to trade online, be CHESS sponsored and have your CDIA linked for settlement. 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, and a participant of the ASX Group and Chi-X Australia. Commonwealth Bank of Australia and its subsidiaries do not guarantee the obligations or performance of Commonwealth Securities Limited or the products or services it offers.

Access fees may apply when using networks’ overseas or non CommBank networks’ domestically or any transactions involving currency conversion.