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Why choose a CommBank SMSF CDIA?

See your portfolio in one place

With SMSF Portfolio view1 in NetBank, you’ll have the visibility and control you want, helping you make the most of your SMSF.

Seamless integration with CommSec

A SMSF CDIA works seamlessly with CommSec, Australia’s leading online broker2.

Lower brokerage

Trade with CommSec and settle directly through your SMSF CDIA and you’ll benefit from brokerage as low as $10.00 per trade².

Open a Trading and Cash account through CommSec

Earn competitive interest

1.50%3p.a. on balances over $10,000.

See CDIA rates and fees

No account or withdrawal fees

With no monthly account or withdrawal fees, there's no need to worry about how many transactions you make (access fees may apply4).

Easy access

Access your account anytime online with NetBank or the CommBank app plus transfer funds instantly between CommBank accounts online.


Already a customer banking online with us?

Save time by using your NetBank details.

Open in NetBank

New customer or don’t bank online with us?

Open now


See all your investments in SMSF Portfolio

SMSF Portfolio view in NetBank categorises your accounts into groups such as cash, property, and shares, making it easier to manage your SMSF1.

With SMSF Portfolio view you can:

  • See your CommBank, CommSec and Colonial First State SMSF accounts together with assets and liabilities you hold elsewhere.
  • Add, update and remove investments held with other financial institutions for a complete snapshot of your SMSF portfolio.
  • Explore other asset opportunities and access relevant market news, calculators and educational information.

Do more with your SMSF

Products - Access a range of products to help you manage and invest your retirement savings.

Support - Get the product support you need from our trained SMSF specialist team.

Portfolio - Get a single view of shares, cash and property to build your investment strategy.

Services - Learn how to set up and run your SMSF, get industry news and financial advice.

Talk to an SMSF specialist

Things you should know:

CommBank’ s SMSF cash account, the SMSF Commonwealth Direct Investment Account (CDIA) is a bank account designed for use in conjunction with a Self Managed Super Fund. It is not a superannuation product in its own right. The advice on this website has been prepared without considering your objectives, financial and taxation situation or needs. Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances and consider seeking professional advice relevant to your individual needs before making a decision based on this information. 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.

1. Portfolio view accessible via NetBank categorises your accounts into groups such as cash, property, shares, other assets and liabilities. Most CommBank accounts will update automatically when you make any changes in NetBank. You have the opportunity to add assets and liabilities that you hold with other financial institutions however these will not update automatically.

2. To be eligible for discount brokerage you are required to trade online, be CHESS sponsored and have your SMSF 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.

3. For balances of $10,000 or more the variable interest rate applies to the full balance in the account. Interest calculated daily at a variable rate.

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

The information contained may include general advice but does not take into account the investment objectives, financial situation and needs of any particular individual or trustee of a self-managed super fund. You should assess with the help of legal, financial and taxation advice, whether the information is appropriate in light of your own circumstances before acting on it.