Every change at Commonwealth Bank

53 changes since 1 March 2026 · our own corrections of a misread figure aren’t shown

October 202629 changes

10Sat
- Personal loansUnsecured Variable Rate Personal Loan8.04 → 8.4010 days after the RBA rise to 4.60%
  +0.36
- Personal loansUnsecured Variable Rate Personal Loanapplication fee $0 → $250
  +$250
- Personal loansUnsecured Fixed Rate Personal Loan8.30 → 8.6510 days after the RBA rise to 4.60%
  +0.35
- Personal loansUnsecured Fixed Rate Personal Loanapplication fee $0 → $250
  +$250

9Fri

Home loans2 year Fixed Rate Home Loan (Investment)2 variants up 0.199 days after the RBA rise to 4.60%
All 2yr Fixed · Investor · ≤95% LVR
P&I 8.64 8.83 +0.19
Interest Only 8.65 8.84 +0.19
+0.19
Home loans3 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.179 days after the RBA rise to 4.60%
All 3yr Fixed · Owner-occupier · ≤95% LVR
P&I 8.09 8.26 +0.17
Interest Only 8.13 8.30 +0.17
+0.17
Home loans4 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.159 days after the RBA rise to 4.60%
All 4yr Fixed · Owner-occupier · ≤95% LVR
P&I 7.99 8.14 +0.15
Interest Only 8.06 8.21 +0.15
+0.15
Home loans3 year Fixed Rate Home Loan (Investment)2 variants up 0.179 days after the RBA rise to 4.60%
All 3yr Fixed · Investor · ≤95% LVR
P&I 8.49 8.66 +0.17
Interest Only 8.49 8.66 +0.17
+0.17

Home loansDigi Home Loan (Owner Occupied)6 variants up 0.259 days after the RBA rise to 4.60%

All Variable · Owner-occupier

P&I · ≤60% LVR	6.11	→	6.36	+0.25
P&I · 60–70% LVR	6.14	→	6.39	+0.25
P&I · 70–80% LVR	6.16	→	6.41	+0.25
Interest Only · ≤60% LVR	6.32	→	6.57	+0.25
Interest Only · 60–70% LVR	6.35	→	6.60	+0.25
Interest Only · 70–80% LVR	6.37	→	6.62	+0.25

+0.25

Home loansDigi Home Loan (Investment)6 variants up 0.259 days after the RBA rise to 4.60%

All Variable · Investor

P&I · ≤60% LVR	6.21	→	6.46	+0.25
P&I · 60–70% LVR	6.26	→	6.51	+0.25
P&I · 70–80% LVR	6.31	→	6.56	+0.25
Interest Only · ≤60% LVR	6.32	→	6.57	+0.25
Interest Only · 60–70% LVR	6.37	→	6.62	+0.25
Interest Only · 70–80% LVR	6.42	→	6.67	+0.25

+0.25

Home loans2 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.199 days after the RBA rise to 4.60%
All 2yr Fixed · Owner-occupier · ≤95% LVR
P&I 8.19 8.38 +0.19
Interest Only 8.21 8.40 +0.19
+0.19
Home loans1 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.229 days after the RBA rise to 4.60%
All 1yr Fixed · Owner-occupier · ≤95% LVR
P&I 8.31 8.53 +0.22
Interest Only 8.32 8.54 +0.22
+0.22
Home loans5 year Fixed Rate Home Loan (Investment)2 variants up 0.139 days after the RBA rise to 4.60%
All 5yr Fixed · Investor · ≤95% LVR
P&I 8.25 8.38 +0.13
Interest Only 8.27 8.40 +0.13
+0.13

Home loansSimple Home Loan (Investment)9 variants up 0.259 days after the RBA rise to 4.60%

All Variable · Investor

P&I · ≤60% LVR	6.67	→	6.92	+0.25
P&I · 60–70% LVR	6.72	→	6.97	+0.25
P&I · 70–80% LVR	6.82	→	7.07	+0.25
Interest Only · ≤60% LVR	6.79	→	7.04	+0.25
Interest Only · 60–70% LVR	6.84	→	7.09	+0.25
Interest Only · 70–80% LVR	6.94	→	7.19	+0.25
P&I · 80–90% LVR	7.17	→	7.42	+0.25
Interest Only · 80–90% LVR	7.29	→	7.54	+0.25
P&I · 90–95% LVR	7.97	→	8.22	+0.25

+0.25

Home loansStandard Variable Rate Home Loan (Investment)9 variants up 0.24 to 0.259 days after the RBA rise to 4.60%

All Variable · Investor

P&I · ≤60% LVR	6.92	→	7.16	+0.24
P&I · 60–70% LVR	6.97	→	7.21	+0.24
P&I · 70–80% LVR	7.06	→	7.31	+0.25
Interest Only · ≤60% LVR	7.00	→	7.25	+0.25
Interest Only · 60–70% LVR	7.05	→	7.30	+0.25
Interest Only · 70–80% LVR	7.15	→	7.40	+0.25
P&I · 80–90% LVR	7.41	→	7.66	+0.25
Interest Only · 80–90% LVR	7.50	→	7.75	+0.25
P&I · 90–95% LVR	8.20	→	8.45	+0.25

+0.24 to +0.25

Home loansSimple Home Loan (Owner Occupied)8 variants up 0.25 to 0.269 days after the RBA rise to 4.60%

All Variable · Owner-occupier

P&I · ≤60% LVR	6.48	→	6.73	+0.25
P&I · 60–70% LVR	6.53	→	6.78	+0.25
P&I · 70–80% LVR	6.63	→	6.88	+0.25
P&I · 80–90% LVR	6.93	→	7.18	+0.25
Interest Only · ≤60% LVR	6.68	→	6.94	+0.26
Interest Only · 60–70% LVR	6.73	→	6.99	+0.26
Interest Only · 70–80% LVR	6.84	→	7.09	+0.25
P&I · 90–95% LVR	7.88	→	8.13	+0.25

+0.25 to +0.26

Home loans4 year Fixed Rate Home Loan (Investment)2 variants up 0.14 to 0.159 days after the RBA rise to 4.60%
All 4yr Fixed · Investor · ≤95% LVR
P&I 8.36 8.50 +0.14
Interest Only 8.37 8.52 +0.15
+0.14 to +0.15

Home loansStandard Variable Rate Home Loan (Owner Occupied)8 variants up 0.24 to 0.259 days after the RBA rise to 4.60%

All Variable · Owner-occupier

P&I · ≤60% LVR	6.72	→	6.97	+0.25
P&I · 60–70% LVR	6.77	→	7.01	+0.24
P&I · 70–80% LVR	6.87	→	7.11	+0.24
P&I · 80–90% LVR	7.16	→	7.41	+0.25
Interest Only · ≤60% LVR	6.90	→	7.15	+0.25
Interest Only · 60–70% LVR	6.95	→	7.20	+0.25
Interest Only · 70–80% LVR	7.05	→	7.30	+0.25
P&I · 90–95% LVR	8.10	→	8.35	+0.25

+0.24 to +0.25

Home loans5 Year Fixed Rate Loan (Owner Occupied)2 variants up 0.139 days after the RBA rise to 4.60%
All 5yr Fixed · Owner-occupier · ≤95% LVR
P&I 7.93 8.06 +0.13
Interest Only 8.03 8.16 +0.13
+0.13
Home loans1 year Fixed Rate Home Loan (Investment)2 variants up 0.229 days after the RBA rise to 4.60%
All 1yr Fixed · Investor · ≤95% LVR
P&I 8.82 9.04 +0.22
Interest Only 8.83 9.05 +0.22
+0.22
Savings accounts3 accounts up 0.20 to 0.259 days after the RBA rise to 4.60%
Youthsaver Account 5.05 5.30 +0.25
GoalSaver 5.00 5.25 +0.25
NetBank Saver 2.10 2.30 +0.20
+0.20 to +0.25

1Thu

Home loansDigi Home Loan (Investment)6 variants cut 0.10 to 0.11

All Variable · Investor

P&I · ≤60% LVR	6.32	→	6.21	−0.11
P&I · 60–70% LVR	6.37	→	6.26	−0.11
P&I · 70–80% LVR	6.42	→	6.31	−0.11
Interest Only · ≤60% LVR	6.42	→	6.32	−0.10
Interest Only · 60–70% LVR	6.47	→	6.37	−0.10
Interest Only · 70–80% LVR	6.52	→	6.42	−0.10

−0.11 to −0.10

Home loansDigi Home Loan (Investment)ongoing fee $10 → $0 a month on 6 variants

All Variable · Investor

P&I · ≤60% LVR	$10	→	$0	−$10
P&I · 60–70% LVR	$10	→	$0	−$10
P&I · 70–80% LVR	$10	→	$0	−$10
Interest Only · ≤60% LVR	$10	→	$0	−$10
Interest Only · 60–70% LVR	$10	→	$0	−$10
Interest Only · 70–80% LVR	$10	→	$0	−$10

−$10/mo

Home loansSimple Home Loan (Owner Occupied)8 variants cut 0.09 to 0.11

All Variable · Owner-occupier

P&I · ≤60% LVR	6.59	→	6.48	−0.11
P&I · 60–70% LVR	6.64	→	6.53	−0.11
P&I · 70–80% LVR	6.74	→	6.63	−0.11
P&I · 80–90% LVR	7.04	→	6.93	−0.11
Interest Only · ≤60% LVR	6.78	→	6.68	−0.10
Interest Only · 60–70% LVR	6.83	→	6.73	−0.10
Interest Only · 70–80% LVR	6.93	→	6.84	−0.09
P&I · 90–95% LVR	7.98	→	7.88	−0.10

−0.11 to −0.09

Home loansSimple Home Loan (Owner Occupied)ongoing fee $20 → $10 a month on 8 variants

All Variable · Owner-occupier

P&I · ≤60% LVR	$20	→	$10	−$10
P&I · 60–70% LVR	$20	→	$10	−$10
P&I · 70–80% LVR	$20	→	$10	−$10
P&I · 80–90% LVR	$20	→	$10	−$10
Interest Only · ≤60% LVR	$20	→	$10	−$10
Interest Only · 60–70% LVR	$20	→	$10	−$10
Interest Only · 70–80% LVR	$20	→	$10	−$10
P&I · 90–95% LVR	$20	→	$10	−$10

−$10/mo

Home loansSimple Home Loan (Investment)9 variants cut 0.09 to 0.12

All Variable · Investor

P&I · ≤60% LVR	6.79	→	6.67	−0.12
P&I · 60–70% LVR	6.84	→	6.72	−0.12
P&I · 70–80% LVR	6.94	→	6.82	−0.12
Interest Only · ≤60% LVR	6.88	→	6.79	−0.09
Interest Only · 60–70% LVR	6.93	→	6.84	−0.09
Interest Only · 70–80% LVR	7.03	→	6.94	−0.09
P&I · 80–90% LVR	7.29	→	7.17	−0.12
Interest Only · 80–90% LVR	7.38	→	7.29	−0.09
P&I · 90–95% LVR	8.08	→	7.97	−0.11

−0.12 to −0.09

Home loansSimple Home Loan (Investment)ongoing fee $20 → $10 a month on 9 variants

All Variable · Investor

P&I · ≤60% LVR	$20	→	$10	−$10
P&I · 60–70% LVR	$20	→	$10	−$10
P&I · 70–80% LVR	$20	→	$10	−$10
Interest Only · ≤60% LVR	$20	→	$10	−$10
Interest Only · 60–70% LVR	$20	→	$10	−$10
Interest Only · 70–80% LVR	$20	→	$10	−$10
P&I · 80–90% LVR	$20	→	$10	−$10
Interest Only · 80–90% LVR	$20	→	$10	−$10
P&I · 90–95% LVR	$20	→	$10	−$10

−$10/mo

Home loansDigi Home Loan (Owner Occupied)6 variants cut 0.10 to 0.11

All Variable · Owner-occupier

P&I · ≤60% LVR	6.22	→	6.11	−0.11
P&I · 60–70% LVR	6.25	→	6.14	−0.11
P&I · 70–80% LVR	6.27	→	6.16	−0.11
Interest Only · ≤60% LVR	6.42	→	6.32	−0.10
Interest Only · 60–70% LVR	6.45	→	6.35	−0.10
Interest Only · 70–80% LVR	6.47	→	6.37	−0.10

−0.11 to −0.10

Home loansDigi Home Loan (Owner Occupied)ongoing fee $10 → $0 a month on 6 variants

All Variable · Owner-occupier

P&I · ≤60% LVR	$10	→	$0	−$10
P&I · 60–70% LVR	$10	→	$0	−$10
P&I · 70–80% LVR	$10	→	$0	−$10
Interest Only · ≤60% LVR	$10	→	$0	−$10
Interest Only · 60–70% LVR	$10	→	$0	−$10
Interest Only · 70–80% LVR	$10	→	$0	−$10

−$10/mo

September 202618 changes

29Tue
- Credit cardsSmart credit cardsign-up bonus opened: 60,000 pts (≈ $300)
  bonus on
- Credit cardsUltimate credit cardrewards program now CommBank Yello Program
  Rewards program Ultimate Awards Points Earn Structure CommBank Yello Program
  Base earn rate 1 6.5
  2 fields
24Thu
- Credit cardsUltimate credit cardearn rates restated
  —
- Credit cardsSmart credit cardearn rates restated
  —
22Tue
- Personal loansUnsecured Variable Rate Personal Loan8.79 → 8.04
  −0.75
- Home loans1 year Fixed Rate Home Loan (Investment)2 variants up 0.25
  All 1yr Fixed · Investor · ≤95% LVR
  P&I 8.57 8.82 +0.25
  Interest Only 8.58 8.83 +0.25
  +0.25
- Home loans3 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.17 to 0.26
  All 3yr Fixed · Owner-occupier · ≤95% LVR
  P&I 7.83 8.09 +0.26
  Interest Only 7.96 8.13 +0.17
  +0.17 to +0.26
- Home loans2 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.24 to 0.30
  All 2yr Fixed · Owner-occupier · ≤95% LVR
  P&I 7.89 8.19 +0.30
  Interest Only 7.97 8.21 +0.24
  +0.24 to +0.30
- Home loans3 year Fixed Rate Home Loan (Investment)2 variants up 0.21 to 0.25
  All 3yr Fixed · Investor · ≤95% LVR
  P&I 8.24 8.49 +0.25
  Interest Only 8.28 8.49 +0.21
  +0.21 to +0.25
- Home loans2 year Fixed Rate Home Loan (Investment)2 variants up 0.28 to 0.29
  All 2yr Fixed · Investor · ≤95% LVR
  P&I 8.35 8.64 +0.29
  Interest Only 8.37 8.65 +0.28
  +0.28 to +0.29
- Home loans5 Year Fixed Rate Loan (Owner Occupied)2 variants up 0.14 to 0.20
  All 5yr Fixed · Owner-occupier · ≤95% LVR
  P&I 7.73 7.93 +0.20
  Interest Only 7.89 8.03 +0.14
  +0.14 to +0.20
- Home loans5 year Fixed Rate Home Loan (Investment)2 variants up 0.13
  All 5yr Fixed · Investor · ≤95% LVR
  P&I 8.12 8.25 +0.13
  Interest Only 8.14 8.27 +0.13
  +0.13
- Home loans1 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.22 to 0.25
  All 1yr Fixed · Owner-occupier · ≤95% LVR
  P&I 8.06 8.31 +0.25
  Interest Only 8.10 8.32 +0.22
  +0.22 to +0.25
- Home loans4 Year Fixed Rate Home Loan (Owner Occupied)2 variants up 0.15 to 0.24
  All 4yr Fixed · Owner-occupier · ≤95% LVR
  P&I 7.75 7.99 +0.24
  Interest Only 7.91 8.06 +0.15
  +0.15 to +0.24
- Home loans4 year Fixed Rate Home Loan (Investment)2 variants up 0.17 to 0.19
  All 4yr Fixed · Investor · ≤95% LVR
  P&I 8.17 8.36 +0.19
  Interest Only 8.20 8.37 +0.17
  +0.17 to +0.19

18Fri

Term depositsStandard Term Deposit7 terms up 0.10 to 0.20

7-month, paid at maturity, monthly or half-yearly, from $50,000	3.50	→	3.60	+0.10
7-month, paid monthly or half-yearly, from $5,000	3.45	→	3.55	+0.10
8-month, paid at maturity, monthly or half-yearly, from $5,000	3.50	→	3.60	+0.10
8-month, paid at maturity, monthly or half-yearly, from $50,000	3.55	→	3.65	+0.10
9-month, paid at maturity, monthly or half-yearly, from $5,000	3.55	→	3.65	+0.10
9-month, paid at maturity, monthly or half-yearly, from $50,000	3.60	→	3.70	+0.10
10-month, paid at maturity, monthly or half-yearly, from $5,000	3.60	→	3.70	+0.10
10-month, paid at maturity, monthly or half-yearly, from $50,000	3.65	→	3.75	+0.10
11-month, paid at maturity, monthly or half-yearly, from $50,000	3.70	→	3.80	+0.10
11-month, paid monthly or half-yearly, from $5,000	3.65	→	3.75	+0.10
12-month, paid monthly	4.65	→	4.80	+0.15
12-month, paid half-yearly	4.70	→	4.85	+0.15
24-month, paid monthly, from $5,000	4.85	→	5.05	+0.20
24-month, paid monthly, half-yearly or annually, from $5,000	4.90	→	5.10	+0.20
24-month, paid half-yearly or annually, from $50,000	4.95	→	5.15	+0.20

+0.10 to +0.20

10Thu
- Credit cardsSmart credit cardrewards program now Smart Awards
  —
1Tue
- Savings accountsGoalSaverbase and bonus changed, total still 5.00Base 0.25% → 0.10%, bonus 4.75% → 4.90%
  Same total

August 20261 change

6Thu

Term depositsStandard Term Deposit6-month cut 1.00 to 1.05

6-month, paid at maturity, from $5,000	4.50	→	3.45	−1.05
6-month, paid at maturity, from $50,000	4.50	→	3.50	−1.00
6-month, paid monthly, from $5,000	4.45	→	3.40	−1.05
6-month, paid monthly, from $50,000	4.45	→	3.45	−1.00

−1.05 to −1.00

July 20261 change

9Thu

Term depositsStandard Term Deposit2 terms moved in both directions

6-month, paid at maturity, from $5,000	3.45	→	4.50	+1.05
6-month, paid at maturity, from $50,000	3.50	→	4.50	+1.00
6-month, paid monthly, from $5,000	3.40	→	4.45	+1.05
6-month, paid monthly, from $50,000	3.45	→	4.45	+1.00
24-month, paid monthly, from $5,000	5.10	→	4.85	−0.25
24-month, paid monthly, half-yearly or annually, from $5,000	5.15	→	4.90	−0.25
24-month, paid half-yearly or annually, from $50,000	5.20	→	4.95	−0.25

−0.25 to +1.05

May 20263 changes

20Wed
- Term depositsStandard Term Deposit12-month up 0.0514 days after the RBA rise to 4.35%
  12-month, paid monthly 4.60 4.65 +0.05
  12-month, paid half-yearly 4.65 4.70 +0.05
  +0.05
15Fri
- Savings accounts3 accounts up 0.15 to 0.259 days after the RBA rise to 4.35%
  Youthsaver Account 4.80 5.05 +0.25
  GoalSaver 4.75 5.00 +0.25
  NetBank Saver 1.95 2.10 +0.15
  +0.15 to +0.25
1Fri
- Term depositsStandard Term Deposit24-month up 0.2544 days after the RBA rise to 4.10%
  24-month, paid half-yearly, from $5,000 4.90 5.15 +0.25
  24-month, paid half-yearly, from $50,000 4.95 5.20 +0.25
  +0.25

March 20261 change

27Fri
- Savings accounts2 accounts up 0.259 days after the RBA rise to 4.10%
  Youthsaver Account 4.55 4.80 +0.25
  GoalSaver 4.50 4.75 +0.25
  +0.25

No changes on record for Commonwealth Bank’s everyday accounts.

Youthsaver Account	5.05	→	5.30	+0.25
GoalSaver	5.00	→	5.25	+0.25
NetBank Saver	2.10	→	2.30	+0.20

Rewards program	Ultimate Awards Points Earn Structure	→	CommBank Yello Program
Base earn rate	1	→	6.5

12-month, paid monthly	4.60	→	4.65	+0.05
12-month, paid half-yearly	4.65	→	4.70	+0.05

24-month, paid half-yearly, from $5,000	4.90	→	5.15	+0.25
24-month, paid half-yearly, from $50,000	4.95	→	5.20	+0.25

P&I	8.64	→	8.83	+0.19
Interest Only	8.65	→	8.84	+0.19

P&I	8.49	→	8.66	+0.17
Interest Only	8.49	→	8.66	+0.17

P&I	8.19	→	8.38	+0.19
Interest Only	8.21	→	8.40	+0.19

P&I	8.31	→	8.53	+0.22
Interest Only	8.32	→	8.54	+0.22