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CommBank

Every product CommBank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 7 Nov 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with Bankwest under the same banking licence. Who shares a cap
  • Australian credit licence and AFS licence 234945, held by Commonwealth Bank of Australia; credit licence since 1 March 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetCommBank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

75 products in 12 categories

  1. Savings & transaction accounts21
  2. Home loans16
  3. Credit cards15
  4. Term deposits5
  5. Business loans4
  6. Overdrafts4
  7. Personal loans3
  8. Leases2
  9. Margin loans2
  10. Buy now, pay later1
  11. Trust accounts1
  12. Travel cards1

CommBank's rates today

CommBank's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.

Where CommBank sits among every institution's best

CommBank 6.39%Everyone else, 104 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateCommBankBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.39%Digi Home Loan (Owner Occupied)5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.89%3 Year Fixed Rate Home Loan (Owner Occupied)6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
Savings accountBase plus any bonus, when its conditions are met5.25%GoalSaver5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term5.10%Farm Management Deposit account (Fixed Term)5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Credit card purchase rateOngoing purchase rate, not introductory offers13.99%Low Rate credit card7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions
Business 12-month term depositBest rate for a 12-month term5.30%Business Investment Account5.70%AMP Bank GO 12 Month Business Term Deposit5.30%of 17 institutions
Business credit card purchase rateOngoing purchase rate, not introductory offers20.74%Business Platinum credit card6.96%Greater Bank's Business Visa Credit Card13.49%of 14 institutions

CommBank home loan repayments

Repayments at CommBank's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. VariableDigi Home Loan (Owner Occupied)
    6.39%6.41% comparison
    $3,749a month

    $749,679 in interest, $1,349,679 repaid in all

  2. 1-year fixed1 Year Fixed Rate Home Loan (Owner Occupied)
    6.78%8.53% comparison
    $3,904a month

    $805,282 in interest, $1,405,282 repaid in all

  3. 2-year fixed2 Year Fixed Rate Home Loan (Owner Occupied)
    6.82%8.38% comparison
    $3,920a month

    $811,037 in interest, $1,411,037 repaid in all

  4. 3-year fixed3 Year Fixed Rate Home Loan (Owner Occupied)
    6.89%8.26% comparison
    $3,948a month

    $821,132 in interest, $1,421,132 repaid in all

  5. 5-year fixed5 Year Fixed Rate Loan (Owner Occupied)
    6.94%8.06% comparison
    $3,968a month

    $828,360 in interest, $1,428,360 repaid in all

  6. Investor variableDigi Home Loan (Investment)
    6.54%6.56% comparison
    $3,808a month

    $770,954 in interest, $1,370,954 repaid in all

Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not CommBank's own calculator: confirm the rate with CommBank before you apply.

CommBank home loan rates

Compare across banks

16 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.39%, with a comparison rate of 6.41%, on its Digi Home Loan (Owner Occupied): 54th lowest of 104 lenders, level with 5 others.

CommBank savings and transaction account rates

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21 products

Its highest savings rate is up to 5.25% (0.10% base plus a 5.15% bonus when its conditions are met), on its GoalSaver: 24th highest of 84 institutions, level with 4 others.

CommBank term deposit rates

Compare across banks

5 products

Its highest 12-month term deposit rate is 5.10%, on its Farm Management Deposit account (Fixed Term): 55th highest of 65 institutions, level with one other.

RateCommBankBest anywhereTypical institution
3-month term depositBest rate for 3 months4.25%Farm Management Deposit account (Fixed Term)5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months4.80%Farm Management Deposit account (Fixed Term)5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.10%Farm Management Deposit account (Fixed Term)5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years5.00%Farm Management Deposit account (Fixed Term)5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions
5-year term depositBest rate for 5 years3.90%TD Parent Visa Bank Guarantee5.65%Judo Bank's Personal Term Deposits4.00%of 27 institutions

CommBank credit card rates

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15 products

Its lowest credit card purchase rate is 13.99%, on its Low Rate credit card: 35th lowest of 51 card issuers, level with 5 others.

CommBank personal loan rates

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3 products

CommBank business loan rates

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4 products

CommBank buy now, pay later

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1 product

CommBank lease rates

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2 products

CommBank margin loan rates

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2 products

Its lowest advertised margin loan rate is 9.65% fixed, on its Commonwealth Bank Geared Investments Loan: 2nd lowest of 3 lenders.

CommBank overdraft rates

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4 products

Its lowest advertised overdraft rate is 14.90% variable, on its CommBank AdvancePay: 22nd lowest of 23 lenders.

CommBank trust accounts

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1 product

CommBank travel cards

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1 product

Rate changes since 18 Sept 2026How every lender responded

Has CommBank passed on the RBA's November 2026 rate rise?

CommBank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.

  1. Fri 6 Nov

  2. Mon 12 Oct

  3. Fri 9 Oct

  4. Tue 22 Sep

  5. Fri 18 Sep

Withdrawn recently

  • Awards credit cardCredit card, withdrawn 7 Nov 2026
  • Temporary overdraftsOverdraft, withdrawn 30 Sept 2026
  • Business Awards credit cardCredit card, withdrawn 29 Sept 2026

Published by CommBank under the Consumer Data Right, last changed by them on 7 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.