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. 

    Take a look

  • Manage your investments

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

  • Our SMSF account could help you grow
    Earn interest with seamless share trading settlements and discounted brokerage.

    Tell me more

Rates & fees

View the latest rates

Fee Type
Monthly account fee
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

  • Only want an SMSF cash account? 

    Visit your nearest branch with all individual trustees or directors of the company trustee for the SMSF.

Who can apply?

  • You can apply if you:

    • Are an individual aged 18 years or older (except where accounts are held in trust for a minor)
    • Have an Australian residential and postal address (for personal/joint accounts)
    • Are an Australian registered or incorporated company
    • Are an Australian trust or self-managed super fund (SMSF)
  • 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)

Things you should know

  • 1 For 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 (PDF). Read the full terms and conditions for CDIA (PDF) online or at any Commonwealth Bank branch. 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.  CommSec is a Market Participant of ASX Limited and Cboe Australia Pty Limited (formerly CHI-X Australia Pty Limited), a Clearing Participant of ASX Clear Pty Limited and a Settlement Participant of ASX Settlement Pty Limited.

    You can view the CommSec Share Trading Terms and Conditions (PDF) and our Financial Services Guide (PDF) and should consider them before making any decision about these products and services. 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.