Commonwealth Bank of Australia
Online Access
Forgotten your

Interest Rates and Fees

Transaction Account Fees and Charges

Back to Interest Rates and Fees 

  Smart Access Complete Access Everyday Offset (Feature of Complete Access) Personal Overdraft
Monthly Access Fee $4 $6


$10 Monthly Offset Fee may apply per Everyday Offset arrangement, see below

See below
Electronic Transactions Free


Additional Fees and Charges Apply - Please Refer Transaction, Savings and Investment Accounts

*For Everyday Offset - arrangement Fees and Charges refer to Fees for Everyday Offset


Personal Overdraft

For unsecured Personal Overdrafts, the establishment fee is $0.

The following fees apply to Personal Overdrafts.

  • Loan Service Fee
  • Overdrawing Approval Fee, if applicable


Loan Service Fees   

Peak Debt during a quarter charge Quarterly Fees
Up to to $100 $0
$101 to $500 $9
$501 to $1000 $15
$1001 to $5000 $25
$5001 to $10,000 $35
$10,001 to $20,000 $45
$20,001 to $50,000 $55
$50,000 to $100,000 $70
$100,001 and above* $78


  • The Loan Service Fee is calculated quarterly on the peak debt for the periods December to February, March to May, June to August and September to November.
  • The Loan Service Fee is charged on the first business day in March, June, September and December and on repayment of the loan.



*Plus $18 per additional peak debt of $100,000 or part thereof up to $1,000,000 then $48 per $500,000 or part thereof.