Provider
LiveCommonwealth Bank
As of 18 September 2026, Commonwealth Bank has 30 products across five of the 8 pillars BankMate tracks: 3 savings accounts, 7 credit cards, 16 home loans, 1 term deposit and 3 personal loans. Its highest-placed product is Standard Term Deposit at 5.15% p.a. for 2 years, 12th of 394 24-month deposits. Its rates last moved on 18 September 2026.
- Pillars
- 5 of 8
- No superannuation, share trading, crypto exchange
- Products tracked
- 30
- 3 savings accounts · 7 credit cards · 16 home loans
- Highest placed
- #12
- Standard Term Deposit · of 394 24-month deposits
- Last change
- 18 Sept 2026
- 9 changes on record
What changed
9 changes across 3 pillars since 1 Mar 2026- Term depositsStandard Term Deposit · 88 terms up 0.10 to 0.20mixed
- 7-month 3.50 → 3.60
- 7-month 3.50 → 3.60
- 7-month 3.50 → 3.60
- 7-month 3.50 → 3.60
- 7-month 3.50 → 3.60
- 7-month 3.50 → 3.60
- 7-month 3.45 → 3.55
- 7-month 3.45 → 3.55
- 7-month 3.45 → 3.55
- 7-month 3.45 → 3.55
- 7-month 3.45 → 3.55
- 7-month 3.45 → 3.55
- 8-month 3.55 → 3.65
- 8-month 3.55 → 3.65
- 8-month 3.55 → 3.65
- 8-month 3.55 → 3.65
- 8-month 3.55 → 3.65
- 8-month 3.55 → 3.65
- 8-month 3.50 → 3.60
- 8-month 3.50 → 3.60
- 8-month 3.50 → 3.60
- 8-month 3.50 → 3.60
- 8-month 3.50 → 3.60
- 8-month 3.50 → 3.60
- 9-month 3.60 → 3.70
- 9-month 3.60 → 3.70
- 9-month 3.60 → 3.70
- 9-month 3.60 → 3.70
- 9-month 3.60 → 3.70
- 9-month 3.60 → 3.70
- 9-month 3.55 → 3.65
- 9-month 3.55 → 3.65
- 9-month 3.55 → 3.65
- 9-month 3.55 → 3.65
- 9-month 3.55 → 3.65
- 9-month 3.55 → 3.65
- 10-month 3.65 → 3.75
- 10-month 3.65 → 3.75
- 10-month 3.65 → 3.75
- 10-month 3.65 → 3.75
- 10-month 3.65 → 3.75
- 10-month 3.65 → 3.75
- 10-month 3.60 → 3.70
- 10-month 3.60 → 3.70
- 10-month 3.60 → 3.70
- 10-month 3.60 → 3.70
- 10-month 3.60 → 3.70
- 10-month 3.60 → 3.70
- 11-month 3.70 → 3.80
- 11-month 3.70 → 3.80
- 11-month 3.70 → 3.80
- 11-month 3.70 → 3.80
- 11-month 3.70 → 3.80
- 11-month 3.70 → 3.80
- 11-month 3.65 → 3.75
- 11-month 3.65 → 3.75
- 11-month 3.65 → 3.75
- 11-month 3.65 → 3.75
- 11-month 3.65 → 3.75
- 11-month 3.65 → 3.75
- 12-month 4.70 → 4.85
- 12-month 4.70 → 4.85
- 12-month 4.70 → 4.85
- 12-month 4.70 → 4.85
- 12-month 4.70 → 4.85
- 12-month 4.70 → 4.85
- 12-month 4.70 → 4.85
- 12-month 4.70 → 4.85
- 12-month 4.70 → 4.85
- 12-month 4.70 → 4.85
- 12-month 4.70 → 4.85
- 12-month 4.70 → 4.85
- 12-month 4.65 → 4.80
- 12-month 4.65 → 4.80
- 12-month 4.65 → 4.80
- 12-month 4.65 → 4.80
- 24-month 4.95 → 5.15
- 24-month 4.95 → 5.15
- 24-month 4.95 → 5.15
- 24-month 4.95 → 5.15
- 24-month 4.90 → 5.10
- 24-month 4.90 → 5.10
- 24-month 4.90 → 5.10
- 24-month 4.90 → 5.10
- 24-month 4.90 → 5.10
- 24-month 4.90 → 5.10
- 24-month 4.85 → 5.05
- 24-month 4.85 → 5.05
- Credit cardsSmart Awards credit card · rewards program now Smart AwardsRe-read from the issuer's card page—
- Savings accountsGoalSaver 5.00 → 5.00Base 0.25% → 0.10%, bonus 4.75% → 4.90%0.00
- Term depositsStandard Term Deposit · 12 terms cut 1.00 to 1.05mixed
- Term depositsStandard Term Deposit · 24 terms moved in both directionsmixed
- 6-month 3.50 → 4.50
- 6-month 3.50 → 4.50
- 6-month 3.50 → 4.50
- 6-month 3.50 → 4.50
- 6-month 3.45 → 4.50
- 6-month 3.45 → 4.45
- 6-month 3.45 → 4.45
- 6-month 3.45 → 4.50
- 6-month 3.45 → 4.50
- 6-month 3.45 → 4.50
- 6-month 3.40 → 4.45
- 6-month 3.40 → 4.45
- 24-month 5.20 → 4.95
- 24-month 5.20 → 4.95
- 24-month 5.20 → 4.95
- 24-month 5.20 → 4.95
- 24-month 5.15 → 4.90
- 24-month 5.15 → 4.90
- 24-month 5.15 → 4.90
- 24-month 5.15 → 4.90
- 24-month 5.15 → 4.90
- 24-month 5.15 → 4.90
- 24-month 5.10 → 4.85
- 24-month 5.10 → 4.85
- Term depositsStandard Term Deposit · 16 terms up 0.0514 days after the RBA rise to 4.35%+0.05
- 12-month 4.65 → 4.70
- 12-month 4.65 → 4.70
- 12-month 4.65 → 4.70
- 12-month 4.65 → 4.70
- 12-month 4.65 → 4.70
- 12-month 4.65 → 4.70
- 12-month 4.65 → 4.70
- 12-month 4.65 → 4.70
- 12-month 4.65 → 4.70
- 12-month 4.65 → 4.70
- 12-month 4.65 → 4.70
- 12-month 4.65 → 4.70
- 12-month 4.60 → 4.65
- 12-month 4.60 → 4.65
- 12-month 4.60 → 4.65
- 12-month 4.60 → 4.65
Show 3 earlier changes
- Savings accounts3 accounts up 0.15 to 0.259 days after the RBA rise to 4.35%mixed
- Youthsaver Account 4.80 → 5.05
- GoalSaver 4.75 → 5.00
- NetBank Saver 1.95 → 2.10
- Term depositsStandard Term Deposit · 4 terms up 0.2544 days after the RBA rise to 4.10%+0.25
- Savings accounts2 accounts up 0.259 days after the RBA rise to 4.10%+0.25
- Youthsaver Account 4.55 → 4.80
- GoalSaver 4.50 → 4.75
Savings accounts · 3
Total rate, conditions met · ranked among 94 accounts$1 deposit a month · balance must grow · bonus up to $50k
5.05%#45 of 942.15% base + 2.90% bonus
- Monthly deposits
- $1/month
- Balance growth
- $1/month
- Balance range
- $0 - $50,000
- Age
- Up to 17 years
$1 deposit a month · balance must grow
5.00%#50 of 940.10% base + 4.90% bonus
- Monthly deposits
- $1/month
- Balance growth
- $1/month
- Age
- 18+ years
No conditions
2.10%#94 of 94
Full savings accounts record for Commonwealth Bank →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for Commonwealth Bank · Compare all savings accounts
Credit cards · 7
Ranked by bonus net of first-year fee · of 51 bonus cardsAwards Points Earn Structure · 1
- Annual fee
- $96
- Monthly fee
- $8
- Additional cardholder
- Free
- Rewards program
- Awards Points Earn Structure
- Base earn rate
- 0.5 Awards Points Earn Structure pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- Yes
Smart Awards · 1
- Annual fee
- $228
- Monthly fee
- $19
- Additional cardholder
- Free
- Rewards program
- Smart Awards
- Base earn rate
- 2 Smart Awards pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
Ultimate Awards Points Earn Structure · 1
0.4 Ultimate Awards Points Earn Structure pts per $ · $420 fee · domestic lounges
—No bonus · $420 fee- Annual fee
- $420
- Monthly fee
- $35
- Additional cardholder
- Free
- Rewards program
- Ultimate Awards Points Earn Structure
- Base earn rate
- 0.4 Ultimate Awards Points Earn Structure pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
No rewards · 4
$420 value
- Annual fee
- $72
- Monthly fee
- $6
- Additional cardholder
- Free
- Rewards program
- None
- Purchase rate
- 13.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- Yes
Earn $70 each month when you spend $500 or more per month for the first 6 months on a new Low Rate credit card.
$240 value
- Annual fee
- $36
- Monthly fee
- $3
- Additional cardholder
- Free
- Rewards program
- None
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- Yes
Earn $40 each month when you spend $500 or more per month for the first 6 months on a new Low Fee credit card.
- Annual fee
- $120
- Monthly fee
- $10
- Additional cardholder
- Free
- Rewards program
- None
- Purchase rate
- Charge card · paid in full monthly
- Complimentary travel insurance
- No
- Purchase protection
- No
- Annual fee
- $180
- Monthly fee
- $15
- Additional cardholder
- Free
- Rewards program
- None
- Purchase rate
- Charge card · paid in full monthly
- Cash advance rate
- 0.00% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Full credit cards record for Commonwealth Bank →
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report
Home loans · 16
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 6
Variable · P&I · Owner-occupier · 70–80% LVR · offset account · redraw · 6 variants
6.27%#33 of 107comparison · 6.14% advertised
- Application fee
- $300
- Ongoing fee
- $10 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤60% LVR · offset account · redraw · 6 variants
6.32%#6 of 81comparison · 6.19% advertised
- Application fee
- $300
- Ongoing fee
- $10 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 70–80% LVR · offset account · redraw · 8 variants
6.74%#76 of 107comparison · 6.49% advertised
- Application fee
- None
- Ongoing fee
- $20 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤60% LVR · offset account · redraw · 9 variants
6.79%#45 of 81comparison · 6.54% advertised
- Application fee
- None
- Ongoing fee
- $20 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 70–80% LVR · offset account · redraw · 8 variants
6.87%#85 of 107comparison · 6.49% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Show 1 more
Variable · P&I · Investor · ≤60% LVR · offset account · redraw · 9 variants
6.92%#54 of 81comparison · 6.54% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Fixed · 10
5yr Fixed · P&I · Owner-occupier · redraw · 2 variants
5y 7.73%7.73%#41 of 49comparison · 6.79% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
4yr Fixed · P&I · Owner-occupier · redraw · 2 variants
4y 7.75%7.75%#30 of 35comparison · 6.64% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
3yr Fixed · P&I · Owner-occupier · redraw · 2 variants
3y 7.83%7.83%#42 of 50comparison · 6.59% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
2yr Fixed · P&I · Owner-occupier · redraw · 2 variants
2y 7.89%7.89%#41 of 49comparison · 6.34% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
1yr Fixed · P&I · Owner-occupier · redraw · 2 variants
1y 8.06%8.06%#41 of 49comparison · 6.49% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Show 5 more
5yr Fixed · P&I · Investor · redraw · 2 variants
8.12%#35 of 42comparison · 6.99% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
4yr Fixed · P&I · Investor · redraw · 2 variants
8.17%#26 of 31comparison · 6.84% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
3yr Fixed · P&I · Investor · redraw · 2 variants
8.24%#38 of 45comparison · 6.64% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
2yr Fixed · P&I · Investor · redraw · 2 variants
8.35%#38 of 45comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
1yr Fixed · P&I · Investor · redraw · 2 variants
8.57%#36 of 43comparison · 6.54% advertised
- Application fee
- None
- Ongoing fee
- $3 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Full home loans record for Commonwealth Bank →
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Term deposits · 1
Best rate per product, by term · ranked within each terminterest annually or at maturity · from $5,000 · 17 terms
3 mo 3.40%6 mo 3.60%9 mo 3.75%1 yr 4.85%2 yr 5.15%3 yr 4.55%5 yr 3.95%18 mo 4.50%4 yr 3.95%5.15%#12 of 3942 years
- 3 months
- 3.40% · #278 of 369
- 6 months
- 3.60% · #424 of 547
- 9 months
- 3.75% · #303 of 500
- 1 year
- 4.85% · #268 of 590
- 2 years
- 5.15% · #12 of 394
- 3 years
- 4.55% · #105 of 345
- 5 years
- 3.95% · #54 of 152
- 18 months
- 4.50% · #31 of 122
- 4 years
- 3.95% · #71 of 157
- Minimum deposit
- $5,000
- Interest paid
- Annually or At maturity
- Early withdrawal
- Not allowed
Full term deposits record for Commonwealth Bank →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Personal loans · 3
Comparison rate · ranked within unsecured or secured loansUnsecured · 2
Unsecured · fixed · any purpose · $15/mo
8.30%#81 of 212comparison · from 7.25% advertised
- Advertised rate
- from 7.25% p.a.
- Comparison rate
- 8.30% p.a.
- Rate type
- Fixed
- Application fee
- None
- Monthly fee
- $15
- Annual fee
- None
- Early repayment fee
- $15
- Loan amount
- $4,000 – $50,000
- Loan term
- 1 year to 7 years
Unsecured · variable · any purpose · $15/mo
8.79%#101 of 212comparison · from 7.75% advertised
- Advertised rate
- from 7.75% p.a.
- Comparison rate
- 8.79% p.a.
- Rate type
- Variable
- Application fee
- None
- Monthly fee
- $15
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $4,000 – $50,000
- Extra repayments
- Yes
Secured · 1
Secured · fixed · car loan · $250 application · $15/mo
8.20%#25 of 48comparison · from 6.79% advertised
- Advertised rate
- from 6.79% p.a.
- Comparison rate
- 8.20% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- $15
- Annual fee
- None
- Early repayment fee
- $15
- Loan amount
- $4,000 – $120,000
- Loan term
- 1 year to 7 years
Full personal loans record for Commonwealth Bank →
Lenders publish the lowest rate in their range; the rate offered depends on the applicant. Compare all personal loans · Personal loan report
Commonwealth Bank has no superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
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