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Referral Product Suite

What Products are available?

Loan Protection can provide cover to help your customers meet their Commonwealth Bank Home Loan commitments in the event of death, terminal illness, trauma, disablement or involuntary unemployment. Applying for Loan Protection is quick and easy with no medical questions asked. Please refer to the Loan Protection Insurance Fact Sheet for further information.

Home Insurance

Commonwealth Bank offers building and contents cover for owner occupiers, renter and investment home owners. The product features Total Building Replacement Cover which provides insurance protection for the actual cost to rebuild, even if its above their documented building insurance amount. Conditions apply. Limitations and exclusions apply.

Life Insurance

Life Insurance can help provide for your customers, their family and loved ones in the event of death, illness or injury. There are a number of straightforward solutions available to suit different needs and life stages. Please refer to the Life Protection Fact Sheet for further information.

Car Insurance

If your customers own a car, its important they protect themselves against the financial risks of events that occur, such as an accident, theft, storm or malicious damage. Commonwealth Bank offers three types of car insurance to suit customers various needs. These are: Comprehensive, Third Party Property Damage and Fire and Theft, and Third Party Damage. With Comprehensive Insurance, policy options are available that can be selected to adjust cover based on individual circumstances. Whichever car insurance policy you customers choose, they will be covered anywhere in Australia.

Personal Loans

Whether your customers are looking to finance a car, home renovation, holidays or to consolidate their debts, a Commonwealth Bank Personal Loan is a simple, hassle-free and fast way to borrow money.

Benefits include:

A range of personal loans to suit their needs, including variable rate, fixed rate and fixed rate secured loans
Competitive interest rates
Choice of monthly, fortnightly or weekly repayments
Repayments can be debited to their account automatically.

Cash Investment Account (CIA)

In addition to an competitive rate on balances of $10,000 or more, this savings account offers your customers immediate and full access to their money via ATM's, EFTPOS, NetBank, Telephone Banking, and the Commonwealth Bank's extensive network of branches. With a minimum opening balance of $10,000, it's easy to get started. Your customers will also notice the returns right away with interest calculated daily, and credited monthly. Plus, there are no more monthly account fees for CIA customers with a Relationship balance of $50,000 or more in eligible contributing accounts. Other fees are applicable.

GoalSaver Account

Our GoalSaver Account can boost your customers’ savings and help them reach their goals faster with bonus interest. To be eligible for bonus interest, the closing balance of the account on the last day of a calendar month needs to be at least $200 higher (excluding interest earned) than the opening balance on the first day of the same month, with no more than 1 withdrawal in the same period. Bonus interest is paid on eligible balances up to $100,000 only. The standard rate applies on the portion of the balance over $100,000.

NetBank Saver Account

NetBank Saver is a high interest online savings account linked to a Commonwealth Bank transaction account.Your customers will have instant access to their money anytime, anywhere via NetBank, Australia's number 1 online bank. And with no minimum deposit, your customers can start earning interest on their entire balance from the very first dollar saved.

Business Transaction Account (BTA)

The Business Transaction Account is an everyday account that provides customers with 300 electronic transactions (including Commonwealth Bank ATM cash withdrawals) and up to 30 cheque and staff assisted transactions per month for a low monthly fee. The account provides customers flexibility and certainty, and is suited to business customers who want an account with full access and a simple monthly fee structure. Also included is a pre-approved $500 overdraft facility to help customers manage their cash flow needs.

Business Online Saver (BOS)

The Business Online Saver, when linked to a Business Transaction Account, is ideal for businesses who want to maximise their working capital. Offering a high interest rate, this account provides at-call access through either NetBank or Telephone Banking*. With no monthly fee the Business Online Saver is the ideal account for parking surplus cash providing account holders with flexibility while earning high interest. Account keeping and transaction fees (including NetBank Service charges) may apply to the linked business account.

(* Telephone Banking is only available to customers who have linked their business accounts to their personal plastic card ie Debit Card or Credit Card).

CommSec Margin Loan

Customers looking for additional funds for investment purposes may wish to consider a Margin Loan - a loan specifically designed for investing in eligible shares and managed funds.

Term Deposits

A Term Deposit is an investment where the interest rate is guaranteed not to change for the whole of the nominated term. It provides the security of knowing that interest income is protected from fluctuations in investment markets. This product is ideal if your customers do not need instant access to their money and want a guaranteed fixed rate of return for a certain period. It's a great way to invest money for future financial needs such as saving a deposit for a house or car.