CommBank Direct Investment Account
cash management accountlinked accountterms checked
Direct Investment Account is a cash management account from CommBank. At $50,000 it pays 1.60% p.a. with no bonus conditions. The feed calls it "Commonwealth Direct Investment Account".
Rate tiers
Every balance band in the bank's feed: base is the rate the bank pays.
| Balance | Base |
|---|---|
| $0 – $49,999 | 0.85% |
| $50,000 – $249,999 | 1.60% |
| $250,000 – $999,999 | 2.25% |
| $1,000,000+ | 2.95% |
Each rate is paid on the whole balance: the balance falls into one band and earns that band's rate.
Conditions
- the feed lists several base rates for one balance; the lowest is shown, up to 3.25% (Self-managed superfunds (SMSF) that elect the SMSF Commonwealth direct investment account option with a balance less than $50,000.)
- must be opened with, or already have, a commsec share trading account
- individuals must be 18 or older with an australian residential and postal address
Features
- card
- Debit Mastercard
- Osko
- yes
- PayID
- yes
- transactions
- unlimited
- joint accounts
- yes
Other features, in the bank's words:
- 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.
- Maintain easy access to funds and receive discounted brokerage with CommSec.
- Trade and transact, anywhere, anytime, with full access to your funds.
- 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.
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- other fees named
- Access fee - Overseas cash withdrawals, Access fee - Overseas purchases (no amount in the feed)
- interest paid
- monthly
- interest calculated
- daily
- age
- ages 18 and over
- open to
- personal, SMSF and business customers
- linked account
- a linked or nominated transaction account is required
Who can open it, in the bank's own words:
- You can apply if you are opening the account in a personal, joint, company, SMSF or trust name.
- You must be an Australian registered or incorporated company; Australian Trust or Self-Managed Super Fund (SMSF).
- You must have an Australian residential address.
About this account
A cash management account for investors allowing you to trade and transact when and where it suits you.
Data
- CommBank's own page for this account.
- The bank's documents its product record links to: terms and conditions, fees, eligibility.
- Our verbatim snapshot of the bank's product record (source), as fetched on 13 November 2026.
- We read the bank's own page and terms against this page on 1 November 2026: commonwealth-direct-investment.html, TSI_interest_rates.pdf, SavingsInvestment_ADB2852.pdf; conditions they state and its feed does not are listed above.
/au/finance/savings-accounts/v1/brands/commbank.json: this bank's accounts and every balance band as JSON; CommBank's page lists them.- The bank last updated this record on 13 November 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.
Other accounts at CommBank
- Business Online Saver savings account, 1.15% base at $50,000
- GoalSaver savings account, 5.50% conditional at $50,000
- NetBank Saver savings account, 2.50% base at $50,000
- Pensioner Security Account savings account, 1.49% base at $50,000
- SMSF Saver savings account, 5.15% base at $50,000
- Youthsaver Account savings account, 5.55% conditional at $50,000
- Cash Deposit Account (At Call) cash management account, 0.25% base at $50,000
- Private Bank Account cash management account, 0.95% base at $50,000
- Capital Growth Account savings account
- CommSec Notice Investor notice account, 0.00% base at $50,000
- Business Transaction Account transaction account
- Smart Access transaction account
- Society Cheque Account transaction account
- Standard Business Cheque Account - Interest Bearing Option transaction account, 0.01% base at $50,000
- Streamline Basic transaction account
All of CommBank's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
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