Commonwealth Direct Investment Account

A cash management account for investors allowing you to trade and transact when and where it suits you.
Category: Transaction & Savings Accounts  Last Updated June 3, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a VARIABLE INVESTMENT product. Additional Information The interest rate that applies to overdrawn amounts.
Interest Rate
14.90% 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 Features

  • Other Additional Information: Link your CDIA to eligible CommSec and CommBank investment products to enjoy the convenience of settling trades with ease and access lower brokerage with CommSec. Subject to terms and eligibility criteria.
  • Other Additional Information: Trade and transact, anywhere, anytime, with full access to your funds.
  • Other Additional Information: Maintain easy access to funds and receive discounted brokerage with CommSec.
  • Other Additional Information: Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.
  • Card Access Additional Information: Use instore, online and withdraw local currency at locations, everywhere Mastercard is accepted. Choose a Debit Mastercard with your CommBank account and pay for things using your card, smartphone or wearable. You may receive access to other features and benefits associated with your Debit Mastercard subject to terms and conditions.
  • Additional Cards Additional Information: We may limit the number of cards that may be issued or linked to a single account or customer profile.
  • Unlimited Txns
  • Npp Enabled
  • Npp Payid

 Product Eligibility

  • Min Age - 18. Additional Information: You can apply if you are 18 years and over (except where accounts are held in trust for a minor).
  • Other Additional Information: You can apply if you are opening the account in a personal, joint, company, SMSF or trust name.
  • Other Additional Information: You must have an Australian residential address.
  • Other Additional Information: You must be an Australian registered or incorporated company; Australian Trust or Self-Managed Super Fund (SMSF)

 Bank Fees and Charges

  • Cba Atm Cash Withdrawals In Australia (Withdrawal), Amount: 0.00.
  • Assisted Withdrawal Fees (Withdrawal), Amount: 0.00. Additional Information: There is no charge when you take money out at a CommBank branch, a post office, agency, with telephone banking if using an operator or by cashing a cheque.
  • Paper Statement Fee (Event), Amount: 2.50. Additional Information: A fee charged where you ask us to give you an additional account statement outside the standard cycle.
  • Overdraw Fee (Event), Amount: 15.00. Additional Information: A fee charged when you exceed the available funds in your account or any agreed overdraft limit on a given day. This is charged once per account per day, irrespective of the number of overdrawing transactions that day.
  • Unpaid Cheque Or Debit Fee (Event), Amount: 5.00. Additional Information: When we dishonour a cheque or debit presented to us because there isn't enough money in your account.
  • Cheques Negotiated Fee (Event), Amount: 3.00. Additional Information: When you write a cheque that needs to be negotiated through the clearing system.
  • Access Fee - Overseas Atms (Withdrawal), Amount: 2.00. Additional Information: When you take money out at ASB ATMs in New Zealand or CommBank ATMs outside Australia.
  • Access Fee - Overseas Cash Withdrawals (Withdrawal), Amount: 5.00. Additional Information: Any other cash withdrawal overseas will incur a fee of $5.00 plus 3.5% of transaction value.
  • Access Fee - Overseas Cash Withdrawals (Withdrawal), Amount: Not Listed.. Additional Information: Any other cash withdrawal overseas will incur a fee of $5.00 plus 3.5% of transaction value.
  • Access Fee - Overseas Purchases (Purchase), Amount: Not Listed.. Additional Information: Purchases made overseas or in Australia (e.g. online), where the merchant is located overseas or the financial institution or entity processing the transaction is located overseas.
  • Transaction Listing Or Ad-hoc Paper Statement Fee (Event), Amount: 2.50. Additional Information: Issue of paper copy of transaction listing, past statements or ordered statements.
  • Stop Payment Fee (Event), Amount: 15.00. Additional Information: When you ask us to stop payment on a cheque.
  • Stamp Duty On Norfolk Island Cheques (Event), Amount: 0.20. Additional Information: A fee on cheques issued on Norfolk Island.

 Limitations & Restrictions (Constraints)

  • Max Limit of 2000.00 Additional Information: There is a $2,000 limit on the amount of cash you can take out each day using a Debit MasterCard at an ATM or in store at an EFTPOS terminal. The daily limit is the total you can take out from all accounts linked to your card.

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