Banking reimagined

¹ Applications are subject to credit approval, satisfactory security and minimum requirements. Full terms and conditions will be set out in our loan offer, if an offer is made. Fees and charges are payable. Interest rates are subject to change.

² Minimum $1,000 withdrawal with a $0 Redraw fee over the counter at any Commonwealth Bank branch and no minimum electronically with a $0 Redraw fee. Redraw is dependent on having the required amount available in special repayments (extra repayments).

³ You can choose to pay Principal and Interest weekly, fortnightly, or monthly. Only monthly payments are available for Interest Only. The maximum Interest Only payment period over the life of a loan is 10 years for Investment Home Loans and 5 years for Owner Occupied Home Loans, so long as there is at least 5 years remaining on the Contracted Loan Term. We have different rates that apply, depending on whether you are making Interest Only payments or Principal and Interest repayments. During an Interest Only period, your Interest Only payments won't reduce your loan balance unless you choose to make additional repayments. At the end of an Interest Only period, your repayments will increase to cover Principal and Interest components.

⁴ “Home-in” is a trademark of CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 trading as “Home-in Digital”. CBA New Digital Businesses Pty Ltd is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-taking Institution for the purposes of the Banking Act 1959 and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia or its subsidiaries.

⁵ Please see the Terms & Conditions on the Home-in website for the $500 off conveyancing offer, exclusive to CommBank Home Loan customers.

⁶ Amber’s Terms and Conditions are available on the Amber website.

⁷ CommBank has an ownership interest in Amber. Amber and CommBank have entered into a strategic relationship agreement. Amber’s Terms and Conditions are available on the Amber website. For Terms and Conditions in relation to your eligible Amber energy plan offer, when you switch and sign up using your CommBank credit card, debit card or bank account as your online bill payment method before 30 June 2024, please see the CommBank Amber page.

⁸ CommBank has an ownership interest in More. More and CommBank have entered into a strategic alliance agreement. More’s Terms and Conditions are available on the More website. For Terms & Conditions in relation to the $5 off your monthly mobile plan for 12 months or 20% off your monthly nbn® plan for 12 months, customers must sign up by 31 August 2024 and use a CommBank debit or credit card as their online bill payment method. For more information, see the CommBank More Mobile page and the CommBank More nbn^® page.

⁹ Offer of 30% off a More business nbn^® plan, SIM-only mobile plan and/or business phone plan for 12 months is for customers who sign up to either a 24 month contract or no contract option by 31 December 2023 and use a CommBank Debit or Credit card as their bill payment method. Offer applies individually to each eligible service activated by this date. Offer does not apply to other More services, including Business Ethernet, Enterprise Ethernet NBN or Business Fibre 1000. Offer cannot be used in conjunction with any other offers or discounts. 12 months is a promotional period commencing on the day your eligible service is activated. After this, the cost of your plan will revert to the Recommended Retail Price (RRP) current at that time. The RRP of More nbn^® plans are subject to change in accordance with More’s terms of service. If you take up this offer on a no lock-in contract, you are free to cancel at any time without charges, but cancelling your service within the 12 month promotional period will forfeit any remaining months discounted at 30% off. Offer applies to monthly plan fees only and does not apply to any hardware charges not included in the plan, hardware installation charges, nbn^® New Development Fee or New Copper Pair charges or any fees for services or usage outside of plan inclusions.

¹⁰ If you take up a 24-month business nbn^® plan or business phone plan, you will receive a modem and/or handset(s) (as applicable) at no additional cost if you maintain your service for the full 24 month contract period. Supplied hardware is subject to change, see the More website for current information.   If you cancel your service before the end of your 24 month contract, you will incur a $220 (inc. GST) early termination fee. Additionally, you will be charged a hardware non-return fee if supplied hardware is not returned to More within 30 days of early service cancellation. More will provide you with a summary of the fees and charges payable by you at the time of cancelation and information on how, where and by what method to return the hardware.

¹¹ How you earn or redeem CommBank Awards points will be subject to the Commonwealth (CommBank) Awards Program Terms & Conditions. You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card). The number of points you can earn may be capped. Awards and the number of points required for Awards are subject to change at any time without notice.

¹² DBM Consultants, customers 18+ with a rewards/loyalty card in the 12 months to January 2021.

¹³  The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. Find out about the minimum operating system requirements on the CommBank app page. Terms and conditions are available on the app. NetBank access with NetCode SMS is required. 

¹⁴ The CommBank Yello Cashback Offers program (‘CommBank Yello Cashback Offers’) rewards you with cashback after you activate (where required) an offer presented to you via the CommBank app and you make a purchase in accordance with the Terms and Conditions of that offer. Cashback is typically received within 14 business days of a qualifying purchase, but in some cases may take longer. If you are not already enrolled, you can enrol if you are at least 18 years old, hold an eligible CommBank credit Mastercard or debit Mastercard, Business credit Mastercard or StepPay digital card, and meet the ‘Base eligibility criteria’ in the ‘CommBank Yello Terms and Conditions’ (latest version available on our website at commbank.com.au) (‘CommBank Yello’). Your participation in CommBank Yello Cashback Offers is governed by the full Terms and Conditions available in the CommBank app.

¹⁵ Klarna Terms & Conditions can be found on the Klarna website.

¹⁶ Awarded Money magazine’s Best-Value Feature-Packed Share Broker - Bank Owned 2024

¹⁷ 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 is issued by Commonwealth Bank of Australia. ABN 48123123 AFSL 234945. This product is administered by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The target market for this product can be found within the product’s Target Market Determination, available at commbank.com.au/tmd. 

The information has been prepared without taking into account your objectives, 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, financial situation or needs, and, if necessary, seek appropriate professional advice. You can view the CommBank Transaction Savings and Investment Account Terms and Conditions, Best Execution Statement, CommSec Pocket Terms and Conditions, and Financial Services Guide, and should consider these documents before making any decision about these products and services. 

To operate a CommSec Pocket account, you’ll need an eligible CommBank transaction account. Investing carries risks. The minimum allowable size of your investment is subject to fluctuations in ETF unit prices. Brokerage is charged at $2 per trade, for trades up to $1,000 and 0.20% for trades above $1,000.

¹⁸ CommSec Pocket is free to download however your mobile network provider may charge you for accessing data on your phone. CommSec Pocket terms and conditions are available on the app. CommSec Pocket is available for compatible iOS (iOS version 11+) and Android (operating system 5+) devices. The value of your investment may go down as well as up. The minimum allowable size of your investment is subject to fluctuations in ETF unit prices. Brokerage is charged at $2 per trade, for trades up to $1,000 and 0.20% for trades above $1,000. Please consider the Financial Services Guide for fees and charges. To operate a CommSec Pocket account, you’ll need an eligible CommBank transaction account.

¹⁹ Terms and conditions. 

²⁰ Applications are subject to credit approval. Full Conditions of Use will be included at point of application. Bank fees and charges may apply. The advice on this website has been prepared without considering your objectives, financial situation or needs. You should, before acting on the advice, consider its appropriateness to your circumstances. Read the StepPay Terms and Conditions (PDF).

²¹ The advice on this website has been prepared without considering your objectives, financial situation or needs. You should, before acting on the advice, consider its appropriateness to your circumstances. Applications for credit cards are subject to credit approval. Full terms and conditions will be included in our Letter of Offer. Bank fees and charges apply.

²² The CommBank app is free to download, however your mobile network provider charges you for accessing data on your phone. Terms and conditions are available on the app. NetBank access with NetCode SMS is required. Find out about the minimum operating system requirements on the CommBank app page. 

²³ Kit is a brand of CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 trading as HEY KIT. CBA New Digital Businesses Pty Ltd is a wholly owned subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124 (CBA). CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-taking Institution for the purposes of the Banking Act 1959 and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia or its subsidiaries, and therefore you may be exposed to investment risk including possible delays in repayment and loss of income and principal invested, as relevant. CBA New Digital Businesses Pty Ltd has been appointed as authorised representative (001296799) of Hay Limited (ABN 34 629 037 403 AFSL 515459), who is the issuer of the Kit Account and associated Kit Cards. Any information provided is general only and does not take into account your objectives, financial situation or needs and you should seek financial advice based upon your own circumstances before making any financial decisions. Please also ensure you read and consider the Product Disclosure Statement (which you agree to be provided through this link) or detailed terms and conditions about our app and the services, Privacy Policy, Financial Services Guide and other important legal documents before making any decision about the product. The Target Market Determination is also available here. Fees and charges may apply.  See Kit’s full Terms & Conditions on the Kit Website.

²⁴ Terms and conditions apply. 

²⁵ Credit provided by the Commonwealth Bank of Australia. This product is only available to approved business customers and for business purposes only. Applications for finance are subject to the Bank’s eligibility and suitability criteria and normal credit approval processes. The minimum value of nominated invoices is $15,000 per month. A minimum facility limit of $50,000 or more applies to Stream Working Capital. We will require your consent to access your accounting software to assess your application and manage your account going forward. Full terms and conditions, interest rate, establishment fee and line fee are included in the Loan Offer, you should consider these before making any decisions about these products. Bank fees and charges may apply. To use Stream Working Capital you'll need to open or switch to a Stream Working Capital Transaction Account if your application is approved. Fees and charges for this account are in addition to those associated with any existing business transaction product.View our current Terms and Conditions for Business Savings and Transaction Accounts and Electronic Banking, our Financial Services Guide and the Target Market Determination and consider them before making any decision about these products. Fees, charges and Terms & Conditions apply. View our current interest rates.

²⁶ As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Merchant Agreement (PDF), Financial Services Guide (PDF) and Operator and User Guides at our merchant support hub.

²⁷ Same day settlement is available on all EFTPOS transactions made before 9.30pm (Sydney/Melbourne time) and all eCommerce transactions made before 5:30pm (Sydney/Melbourne time) for eligible customers with a CommBank Business Transaction Account and a linked CommBank merchant facility.

²⁸ Replacement within 4 business hours in all locations except remote areas. 3 to 5 business days for remote areas. A remote area is not serviced by a technician and only phone support is available.

²⁹ Business cash flow is a tool for general information only and should not be solely relied on to make business, accounting, financial, tax decisions or to reconcile your accounts. While we try to present accurate information, we can’t guarantee the accuracy or completeness of the information. Your preferences regarding transactions and accounts will be handled in accordance with our Group Privacy Statement. The target market for these products will be found within the product’s Target Market Determination.

³⁰ The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. The CommBank app is available on Android operating systems 6.0+ and iOS operating system 12.0+. Terms and conditions for the CommBank app are available on the app. NetBank access with NetCode SMS is required. 

³¹ Available for all CommBank business customers with  Business Transaction Accounts, Cheque Account Bearing, Business Credit Cards and CommBank Neo for Business

³² Daily IQ has been prepared as a research tool for general informational purposes only and should not be relied on to make business decisions or for account reconciliation. The information may be incomplete or not up to date and may contain errors and omissions. Any projections and forecasts are based on a number of assumptions and estimates, including future events and contingencies, which may be inaccurate. Commonwealth Bank takes its responsibility to protect the privacy of its clients very seriously and applies strict security and privacy controls to the way it handles information. This has been applied to Daily IQ.

³³ As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our CommBank Smart Health Terms and Conditions (PDF), Financial Services Guide (PDF) and Operator and User Guides at our merchant support hub. The publications on this page are published solely for information purposes. As they have been prepared without considering your objectives, financial situation or needs, you should, before acting on the information, consider its appropriateness to your circumstances and if necessary seek the appropriate professional advice. Any opinions, conclusions or recommendations are reasonably held or made, based on the information available at the time of each publications compilation, but no representation or warranty, either expressed or implied, is made or provided as to the accuracy, reliability or completeness of any statement made.

³⁴ Cubiko Practice Intelligence Platform is operated by Cubiko Pty Ltd ACN 640 999 391. Cubiko are a subcontractor of the Commonwealth Bank and are not part of the Commonwealth Bank Group. See additional details.

³⁵ Whitecoat was acquired by Commonwealth Bank of Australia in May 2021

³⁶ As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Merchant Agreement, Financial Services Guide and Operator and User Guides at our Merchant support hub.

 ³⁷“Doshii” is a trademark of CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 trading as “Doshii”. CBA New Digital Businesses Pty Ltd is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-taking Institution for the purposes of the Banking Act 1959 and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia or its subsidiaries. Doshii Connect Pty Ltd ABN 37 645 980 203. Doshii Connect Pty Ltd is not an Authorised Deposit-taking Institution for the purposes of the Banking Act 1959 and is not guaranteed by the Commonwealth Bank of Australia ABN 48 123 123 124 and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia or its subsidiaries.

For more information on how we handle your personal information, please visit our Group Privacy Policy at commbank.com.au/privacy. The CommBank app is free to download, however your mobile network provider charges you for accessing data on your phone. Find out about the minimum operating system requirements on the CommBank app page. Full terms and conditions are available on the CommBank app. NetBank access with NetCode SMS required. Apple, the Apple logo & iPhone are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and Android are trademarks of Google Inc.