{
  "snapshot_at": "2026-11-13T01:41:27Z",
  "brand": "CommBank",
  "brand_slug": "commbank",
  "product_id": "da527ba1942246edac4d5da36dbc1da8",
  "cdr_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/da527ba1942246edac4d5da36dbc1da8",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.commbank.com.au/public/cds-au/v1/banking/products/da527ba1942246edac4d5da36dbc1da8'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "4",
        "additionalInfo": "We may limit the number of cards that may be issued or linked to a single account or customer profile."
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Debit Mastercard",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.commbank.com.au/banking/debit-mastercard.html"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/pay-id.html"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/pay-id.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.commbank.com.au/investing/commonwealth-direct-investment.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Maintain easy access to funds and receive discounted brokerage with CommSec.",
        "additionalInfoUri": "https://www.commbank.com.au/superannuation/smsf/smsf-cash-account-cdia.html?ei=features_smsf-account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Trade and transact, anywhere, anytime, with full access to your funds.",
        "additionalInfoUri": "https://www.commbank.com.au/investing/commonwealth-direct-investment.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking.html"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfoUri": "https://www.commbank.com.au/investing/commonwealth-direct-investment.html"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "2000.00",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "You can apply if you are 18 years and over (except where accounts are held in trust for a minor).",
        "additionalInfoUri": "https://www.commbank.com.au/investing/commonwealth-direct-investment.html"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You can apply if you are opening the account in a personal, joint, company, SMSF or trust name.",
        "additionalInfoUri": "https://www.commbank.com.au/investing/commonwealth-direct-investment.html"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be an Australian registered or incorporated company; Australian Trust or Self-Managed Super Fund (SMSF).",
        "additionalInfoUri": "https://www.commbank.com.au/investing/commonwealth-direct-investment.html"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must have an Australian residential address.",
        "additionalInfoUri": "https://www.commbank.com.au/investing/commonwealth-direct-investment.html"
      }
    ],
    "fees": [
      {
        "name": "Access fee - Overseas ATMS",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "When you take money out at ASB ATMs in New Zealand or CommBank ATMs outside Australia.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf"
      },
      {
        "name": "Access fee - Overseas cash withdrawals",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Any other cash withdrawal overseas will incur a fee of $5.00 plus 3.5% of transaction value.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf"
      },
      {
        "name": "Access fee - Overseas cash withdrawals",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfo": "Any other cash withdrawal overseas will incur a fee of $5.00 plus 3.5% of transaction value.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf"
      },
      {
        "name": "Access fee - Overseas purchases",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf"
      },
      {
        "name": "Assisted withdrawal fees",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf"
      },
      {
        "name": "CBA ATM cash withdrawals in Australia",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Free"
      },
      {
        "name": "Cheques negotiated fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfo": "When you write a cheque that needs to be negotiated through the clearing system.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf"
      },
      {
        "name": "Overdraw fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "feeCap": "5.00",
        "feeCapPeriod": "P1M",
        "currency": "AUD",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf"
      },
      {
        "name": "Paper statement fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged where you ask us to give you an additional account statement outside the standard cycle.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf"
      },
      {
        "name": "Stamp duty on Norfolk Island cheques",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "currency": "AUD",
        "additionalInfo": "A fee on cheques issued on Norfolk Island.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf"
      },
      {
        "name": "Stop payment fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "When you ask us to stop payment on a cheque.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf"
      },
      {
        "name": "Transaction listing or ad-hoc paper statement fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Issue of paper copy of transaction listing, past statements or ordered statements.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf"
      },
      {
        "name": "Unpaid cheque or debit fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeCap": "5.00",
        "feeCapPeriod": "P1M",
        "currency": "AUD",
        "additionalInfo": "When we dishonour a cheque or debit presented to us because there isn't enough money in your account. We may waive certain fees or charges at our discretion. The failure by us to charge any fee or charge does not constitute a waiver of that fee or charge in the future.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0085",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Balance of less than $50,000.",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "49999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Commsec and Private Bank rates for balance less than $50,000.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf?ei=rates_view-all"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0240",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Balance of less than $50,000.",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "49999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Self-managed superfunds (SMSF) that elect the SMSF Commonwealth direct investment account option with a balance less than $50,000.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf?ei=rates_view-all"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0160",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Balance between $50,000 and $249,999.",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "249999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Commsec and Private Bank rates for balance $50,000 and $249,999.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf?ei=rates_view-all"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0225",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Balances between $250,000 and $999,999.",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "maximumValue": "999999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "CommSec and Private Bank rates for balance between $250,000 and $999,999.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf?ei=rates_view-all"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0295",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Balance above $1,000,000.",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Commsec and Private Bank rates for balance above $1,000,000.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf?ei=rates_view-all"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0325",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Balances between $250,000 and $999,999.",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "maximumValue": "999999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Self-managed superfunds (SMSF) that elect the SMSF Commonwealth direct investment account option with a balance between $250,000 and $999,999.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf?ei=rates_view-all"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0325",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Balance between $50,000 and $249,999.",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "249999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Self-managed superfunds (SMSF) that elect the SMSF Commonwealth direct investment account option with a balance between $50,000 and $249,999.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf?ei=rates_view-all"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0325",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Balance above $1,000,000.",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Self-managed superfunds (SMSF) that elect the SMSF Commonwealth direct investment account option with a balance over $1,000,000.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf?ei=rates_view-all"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1490",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "OTHER",
        "additionalInfo": "The interest rate that applies to overdrawn amounts. CBA may waive any overdraw interest charges at its discretion.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf?ei=terms_cdia-terms"
      }
    ],
    "productId": "da527ba1942246edac4d5da36dbc1da8",
    "lastUpdated": "2026-11-13T12:01:09.000Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Commonwealth Direct Investment Account",
    "description": "A cash management account for investors allowing you to trade and transact when and where it suits you.",
    "brand": "CBA",
    "brandName": "CommBank",
    "applicationUri": "https://www.commsec.com.au/products/cash-investment-account.html",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.commbank.com.au/investing/commonwealth-direct-investment.html",
      "termsUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf",
      "eligibilityUri": "https://www.commbank.com.au/investing/commonwealth-direct-investment.html",
      "feesAndPricingUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf?ei=rates_view-all"
    }
  }
}