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Cash Management
Commonwealth Bank Business Card
Business Transaction Account Fees
Premium Business Cheque Account Interest Rates
Premium Business Cheque Account Fees
Standard Cheque Account Interest Rates
Standard Cheque Account Fees
Business Online Saver Interest Rates
Merchant Solutions
- Standard Retail Product Fees
- Specialist Retail Product Fees
- Mobile Product Fees
- Ecommerce Product Fees
Loans
BetterBusiness Loan - Secured by Residential Property
BetterBusiness Loan - Where Security is Other Than Residential
BetterBusiness Loan - Fixed Rate - Residentially Secured - linked to Fixed Rate Home Loan
Corporate Loan Index Rates
Corporate Overdraft Index Rates
Loan Index Rates
Excess Drawing Interest Rates
Overdraft Index Rates
Business Line of Credit
Commercial Lending Services - standard fees and charges
Investments
Term Deposits
Agribusiness
Farm Management Account - At Call
Farm Management Account - Fixed Term
International
Foreign Exchange Rates
Commonwealth Bank Business Card *
(Effective 14th July 2008)
| Credit Card |
Interest Rate per annum |
Annual Fee |
| Option 1 |
|
|
| Cash Advances** |
18.87% |
1-49 cards $40.00 per card
50-499 cards $32.00 per card
500+ cards $24.00 per card |
| Option 2 |
|
|
| Residential Security |
10.04% |
1-49 cards $40.00 per card
50-499 cards $32.00 per card
500+ cards $24.00 per card |
| Commercial Security |
13.15% |
|
Unsecured/Directors’ Guarantee
|
15.15% |
| Option 3 |
|
|
| Residential Security |
10.04% |
$40.00 per facility
|
| Commercial Security |
13.15% |
$40.00 per facility
|
|
Unsecured/Directors’ Guarantee:
|
|
|
| Low Rate Business Credit Card |
15.15% |
No annual fee |
|
Interest Free Days Business Credit Card
|
18.17% |
$60 per card
|
* The interest rate and fees quoted are effective as at 14th July 2008 for new applications only. The Bank reserves the right to change its interest rates and fees at any time. Applications are subject to normal credit approval. Full terms and conditions will be included in the loan offer. For details call us on 13 1998 - 24 hours a day, 365 days a year.
** Cash advances are charged from the date of transaction. Purchases are interest free for up to 55 days from the date of purchase. Option 1 facilities must be cleared in full monthly.
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Business Transaction Account Fees
(Effective 1st August 2008)
| Fee Type |
Fee |
| Monthly base maintenance fee |
$10 |
| Fee-free transaction threshold |
300 electronic transactions and Commonwealth Bank ATM cash withdrawals^;
30 cheque and staff-assisted transactions, including Quick Deposits* |
Electronic Transactions
Commonwealth Bank ATM deposits or transfers in Australia; EFTPOS cash withdrawals or purchases in Australia; Direct Entry debit or credit or periodical payment; transfers or payments made via NetBank and Telephone Banking |
20 cents each
|
| Commonwealth Bank ATM cash withdrawals in Australia |
55 cents each |
Quick Deposits
Quick Deposit Box deposits
Cheques included in Quick Deposits |
20 cents each
55 cents each |
Cheque Transactions
All cheques drawn by you and deposited to an account (excluding cheques cashed over-the-counter at a Commonwealth Bank branch). Any cheque deposited to your account (excluding cheques deposited via Quick Deposit Box). |
55 cents each
|
Assisted Transactions
Deposits and withdrawals made via a teller at any branch; deposits and withdrawals made at Australia Post Offices or any private agency; cheques drawn on your account and cashed over-the-counter at any Commonwealth Bank branch; withdrawals made via Telephone Banking using an operator. |
95 cents each
|
Non-Chargeable Transactions
(Transactions which do not attract Transaction Fees)
Debits for Bank and Government charges
Daily merchant reconciliation from Commonwealth Bank EFTPOS facility
Bank initiated transactions |
|
Fees are payable monthly and will be charged to accounts on the first business day of the following month. Where applicable, stamp duty and other Government charges will be debited directly to your account. For further information, please call Local Business Banking on 13 1998 - 24 hours a day, 7 days a week.
The Business Transaction Account does not have credit interest.
^ At the end of each month, the Bank will rank these transactions in the following order and transaction fees will apply to transactions above the 300 threshold.
1. Electronic transactions
2. Commonwealth Bank ATM cash withdrawals
* At the end of each month, the Bank will rank the following transactions in the following order and transaction fees will apply to transactions above the 30 threshold:
1. Quick Deposit Box deposits; cheques included
2. Cheque transactions
3. Assisted transactions
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Premium Business Cheque Account Interest Rates
(Effective 11th March 2008)
| Balance |
Interest Rate |
| $5000 or less |
0.00% p.a. |
| $5,001 to $19,999 |
0.95% p.a. |
| $20,000 to $49,999 |
2.00% p.a. |
| $50,000 to $99,999 |
2.75% p.a. |
| $100,000 to $249,999 |
4.20% p.a. |
| $250,000 to $499,999 |
4.75% p.a. |
| $500,000 and over |
4.90% p.a. |
Rate applies to the portion of the balance greater than $5,000, and is calculated daily and paid monthly.
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Premium Business Cheque Account Fees
(Effective 1st February 2005)
| Fee Type |
Fee |
| Monthly base maintenance fee |
No fee if the balance remains at or above $10,000 during the month. $15 if the balance falls below $10,000 at any time during the month. |
| Fee-free transaction threshold |
up to 40 free transactions* |
Electronic Transactions
Commonwealth Bank ATM deposits or transfers in Australia; EFTPOS cash withdrawals or purchases in Australia; Direct Entry debits or credits or periodical payments; transfers or payments made via NetBank, and Telephone Banking. |
20 cents each |
| Commonwealth Bank ATM cash withdrawals in Australia |
55 cents each |
Quick Deposits
Quick Deposit Box Deposits
Cheques included in Quick Deposits |
20 cents each
55 cents each |
Cheque Transactions
All cheques drawn by you and deposited to an account (excluding cheques cashed over-the-counter at a Commonwealth Bank branch). Any cheque deposited to your account (excluding cheques deposited via Quick Deposit Box). |
55 cents each
|
Assisted Transactions
Deposits and withdrawals made via a teller at any branch; deposits and withdrawals made at Australia Post offices or any private agency; cheques drawn on your account and cashed over-the-counter at any Commonwealth Bank branch; withdrawals made via Telephone Banking using an operator. |
95 cents each |
Non-Chargeable Transactions
(Transactions which do not attract Transaction Fees)
Debits for Bank and Government charges
Daily merchant reconciliation from Commonwealth Bank EFTPOS facility
Bank initiated transactions |
|
Fees are payable monthly and will be charged to accounts on the first business day of the following month. Where applicable, stamp duty and other Government charges will be debited directly to your account. For further information, please call the Local Business Banking on 13 1998 - 24 hours a day, 7 days a week.
* At the end of each month, the Bank will rank the transactions in the following order and transaction fees will apply to transactions above the 40 threshold:
1. Commonwealth Bank ATM cash withdrawals in Australia
2. Electronic transactions
3. Quick Deposit Box deposits; cheques included in Quick Deposits
4. Cheque transactions
5. Assisted transactions
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Standard Cheque Account Interest Rates
(Effective 8th August 2006)
| Product |
Conditions |
Interest Rate |
| Standard Cheque Account |
less than $5000 |
0.45% |
| $5000 and over |
0.80% |
| Cheque Account Not Bearing Interest |
There is a fee rebate of $1.50 for every $1000 in minimum monthly balance maintained in the account. |
Nil |
Interest is calculated on the minimum monthly balance and paid half yearly on the first business day of June and December (interest bearing and society option).
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Standard Cheque Account Fees
(Effective 1st January 2005)
| Fee Type |
Fee |
| Monthly base maintenance fee |
$5 |
| Fee-free transaction threshold |
N/A |
Electronic Transactions
Commonwealth Bank ATM deposits or transfers in Australia; EFTPOS cash withdrawals or purchases in Australia; Direct Entry debits or credits or periodical payments; transfers via NetBank and Telephone Banking |
20 cents |
| Commonwealth Bank ATM cash withdrawals in Australia |
55 cents each |
Quick Deposits
Quick Deposit Box deposits
Cheques included in Quick Deposits |
20 cents each
55 cents each |
Cheque Transactions
All cheques drawn by you and deposited to an account (excluding cheques cashed over-the-counter at a Commonwealth Bank branch). Any cheque deposited to your account (excluding cheques deposited via Quick Deposit Box). |
55 cents each |
Assisted Transactions
Deposits and withdrawals made via a teller at any branch; deposits and withdrawals made at Australia Post offices or any private agency; cheques drawn on your account and cashed over-the-counter at any Commonwealth Bank branch; withdrawals made via Telephone Banking using an operator. |
95 cents each |
Non-Chargeable Transactions
(Transactions which do not attract Transaction Fees.)
QuickLine transactions
Debits for Bank and Government charges
Daily merchant reconciliation from Commonwealth Bank EFTPOS facility
Bank initiated transactions |
|
Fees are payable monthly and will be charged to accounts on the first business day of the following month. Where applicable, stamp duty and other Government charges will be debited directly to your account. For further information, please call the Local Business Banking on 13 1998 - 24 hours a day, 7 days a week.
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Business Online Saver Interest Rates
(Effective 11th March 2008)
| Balance |
Interest Rate |
| $0 to $9,999 |
0.00% p.a. |
| $10,000 or more |
7.15% p.a.* |
* Rate applies to the full balance of the account, provided the balance is $10,000 or more.
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Merchant Solutions
Retail, Mobile, Specialist & Ecommerce Product Fees
To obtain a quote for one of our merchant solutions, please contact our Direct Sales staff on 1800 730 554 - 8:00am - 6:00pm (Sydney time), Monday to Friday.
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Loans
BetterBusiness Loan - Secured by Residential Property
(Effective 14th July 2008)
| Loan Type |
Interest Rate |
| BetterBusiness Residential Loan – 12 Month Discounted Variable Rate (Quarantined Product) |
8.76% p.a ** |
| BetterBusiness Loan - Variable Rate |
9.89% p.a.* |
| BetterBusiness Loan - Economiser Rate |
9.34% p.a.** |
| BetterBusiness Loan - Fixed Rate |
Refer Below |
| Capital Equity Facility (Quarantined Product) |
9.89% p.a.** |
| Residential Equity Rate |
9.89% p.a.** |
| Overdraft |
10.79% p.a.* |
* Margin may apply unless secured by Residential property.
** Must be secured by Residential property.
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BetterBusiness Loan - Where security is other than Residential
(Effective 14th July 2008)
| Loan Type |
Interest Rate |
| Variable Rate |
10.87% p.a.# |
# Customer interest margin may apply.
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BetterBusiness Loan - Fixed Rate - Residentially Secured - linked to Fixed Rate Home Loan
Benchmark Rates* principal reducing interest rates (monthly charging cycle).
(Effective 11th August 2008)
| Loan Term |
Interest Rate |
| 1 year |
9.35% p.a. |
| 2 year |
9.35% p.a. |
| 3 year |
9.20% p.a. |
| 4 year |
9.20% p.a. |
|
5 year
|
9.15% p.a. |
* Must be secured by Residential property.
Interest-only or principal and interest repayments are available.
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Business Line of Credit/Agri Business Line of Credit
(Effective 14th July 2008)
| Loan Type |
Interest Rate |
| Business Line of Credit- Residential Security |
9.39% p.a. |
| Business Line of Credit- Other Security |
10.87% p.a. |
| Business Line of Credit- Rate linked to BBSW* |
9.53% p.a.1 |
1 This rate is reset every 90 days (in February, May, August and November).
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Corporate Loan Reference Rates
(Effective 14th July 2008)
|
Monthly charging cycle
|
11.17% p.a.# |
| Quarterly charging cycle |
11.27% p.a.# |
# Customer interest margin may apply.
Corporate Overdraft Reference Rates
(Effective 14th July 2008)
|
Monthly charging cycle
|
11.67% p.a.# |
| Quarterly charging cycle |
11.77% p.a.# |
# Customer interest margin may apply.
Loan Index Rates
(Effective 14th July 2008)
| Monthly charging cycle |
11.72% p.a.# |
| Quarterly charging cycle |
11.82% p.a.# |
# Customer interest margin may apply.
Overdraft Index Rates
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