CommBank GoalSaver

savings accountterms checked

GoalSaver is a savings account from CommBank. It pays 5.50% p.a. in a month in which the conditions below are met and 0.10% when they are not.

Rate tiers

Every balance band in the bank's feed: base is the rate when the bonus conditions are not all met, bonus the add-on for meeting them, conditional the two together.

The bonus is paid on top of the base rate in a month in which the conditions are met; conditional is the two together, and the base rate is what is paid otherwise.

The feed states no cap on the balance that earns the bonus.

Conditions

For the bonus rate

• at least one deposit each month
• grow the balance each month

In the bank's own words, as its feed states each condition on the bonus rate:

• deposits each monthWe pay bonus interest on top of the standard variable credit interest rate on credit balances if you make at least one deposit each calendar month into your account.
• balance growthWe pay bonus interest on top of the standard variable credit interest rate on credit balances if you have a higher account balance at the end of the month compared to the account balance at the start of the month (excluding interest and bank-initiated transactions).

Features

app

yes

Osko

yes

BPAY

yes

transactions

unlimited

Other features, in the bank's words:

• Staff-assisted withdrawals are available with $0 assisted withdrawal fee
• Whether you have a savings goal in mind or want to build a buffer for those 'just in case' moments, Goal Tracker in the CommBank app helps you set and reach your goals.
• Use QR Cardless to deposit notes, coins and cheques (subject to product eligibility) by using the latest version of the CommBank app to scan a QR code at a compatible CommBank ATM

Fees, limits and who can open it

monthly fee

$0

interest paid

monthly

interest calculated

daily

age

ages 18 and over

open to

personal customers

Who can open it, in the bank's own words:

• For customers wanting to apply online, they will require an Australian residential address.

About this account

Be rewarded with a variable bonus interest rate for saving regularly each month.

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: goal-saver.html, 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
• 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
• Direct Investment Account cash management account, 1.60% 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.