Temporary Excess Business

Access additional funds directly from your business transaction account, to manage your business cash flow or unexpected expenses.
Category: Overdrafts  Last Updated May 13, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information Excess Drawing Interest Rate. Interest rate may vary depending on individual application circumstances. Rates and fees are subject to change. Fees, charges, T&Cs and eligibility criteria apply.
Interest Rate
16.43% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  , VARIABLE, 17.43%
  • Lending Rate Type: Variable
  • Interest Rate: 17.43%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:

 Product Features

  • Overdraft Additional Information: A Business Temporary Excess is a temporary limit on a business transaction account to assist business customers to manage short term fluctuations in cashflow.
  • Overdraft Additional Information: A Business Temporary Excess is for business customers with business purposes only.
  • Overdraft Additional Information: Access your temporary excess just like you would funds in your business transaction account, using an ATM, Netbank, CommBiz, EFTPOS, cheque, over the phone, in branch and the CommBank app.
  • Overdraft Additional Information: Manage unexpected expenses, or cover the cash flow gap between receiving payments from customers and paying your suppliers.
  • Overdraft Additional Information: The maximum term for a Business Temporary Excess is 90 days.
  • Overdraft Additional Information: You may apply to establish a Business Temporary Excess on an eligible business transaction account. Applications are subject to our normal credit approval.

 Product Eligibility

  • Business Additional Information: A registered Australian business that includes sole traders, partnerships, trusts, limited or proprietary limited companies and if you are seeking a temporary limit for business purposes only.
  • Business Additional Information: Subject to eligibility and credit criteria, a Business Temporary Excess may be suitable for businesses of any size with a cash flow need, including: sole traders, partnerships, trusts, limited or proprietary limited companies.
  • Other Additional Information: You haven't been declared bankrupt in the last 5 years.
  • Other Additional Information: You haven't been overdrawn or had your account in arrears anytime in the past 3 months.
  • Other Additional Information: You haven't had any accounts in collections in the past 6 months.

 Bank Fees and Charges

  • Establishment Fee (Upfront), Amount: 0.00. Additional Information: A one-off establishment fee when your Business Temporary Excess is applied to your account. Other fees and charges may apply.
  • Overdraft Line Fee (Periodic), Amount: Not Listed.. Additional Information: An Overdraft Line Fee charged monthly on your Business Temporary Excess limit or outstanding balance, whichever is highest in that period.
  • Overdraft Line Fee (Periodic), Amount: Not Listed.. Additional Information: An Overdraft Line Fee charged quarterly on your Business Temporary Excess limit or outstanding balance, whichever is highest in that period.
  • Overdrawing Approval Fee (Event), Amount: 15.00. Additional Information: A fee charged when you exceed your agreed Business Temporary Excess limit on a given day. Additional interest may apply on overdrawn amounts above the temporary excess limit.

 Limitations & Restrictions (Constraints)

  • Min Limit of 2000.00 Additional Information: The minimum temporary excess limit amount is $2,000.