CommBank
Stream Working Capital
Stream Working Capital (SWC) is a digital cash flow solution that uses B2B customer invoices as security. SWC can improve a customer's cashflow by giving them access to funds tied up in unpaid invoices.
At a glance
- Pricing
- Rates on application
- Variable
- 3.58%
- Loan size
- $500,000 to no maximum
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThe Debit Interest Rate is charged on the balance drawn and is based on the BBSY AUD 1 Month rate plus a margin. Note: BBSY is the Australian Bank Bill swap reference rate (Bid) administrated by the… | Interest only | — | — | 3.58% | — | — |
| Variable | Interest only | — | up to null | 17.43% | — | — |
| Variable | Interest only | — | up to null | 17.43% | — | — |
§ 02 — Fees · 18
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Assisted transactions | Deposit | $5 | — | Deposits made over the counter at a CommBank branch, Australia Post office or private agency (including EFTPOB/ Bank@Post). |
| Quick Deposits | Deposit | $10 | — | Deposits made via the Quick Deposit Box or QuickCash envelope banking. |
| Dishonour Fee | Event | $5 | — | $5 per payment. Charged to the account, due to insufficient available funds, when we are unable to debit the account. |
| Establishment fee | Event | $250 to $1,500 | — | This is applicable up to $750,000. Fee charged may vary due to a number of factors relating to the application and will be detailed your Letter of Offer. |
| Establishment fee | Event | 50.00% of balance | — | This is applicable up to $750,000. Fee charged may vary due to a number of factors relating to the application and will be detailed your Letter of Offer. |
| Overdraw Fee | Event | $15 | — | If we allow you to overdraw your account or exceed your agreed Stream Working Capitallimit, you may incur an overdraw fee. |
| Line fee | Other | 1.12% of balance | — | A fee that is charged as set out in your Letter of Offer. Fees charged may vary due to a number of factors relating to the application. |
| Paper Statement Fee | Periodic | $5 | — | A paper statement fee applies if you request a paper copy of an account statement at any time. |
| Access fee - Overseas transactions | Purchase | 3.50% of transaction | — | Maestro (EFTPOS) or Visa Debit Card or Debit MasterCard purchase in Australian dollars: 3.5% of the transaction value. |
| Assisted transactions | Transaction | $5 | — | Cheques drawn on your account and cashed over the counter at any CommBank branch. |
| Cheques transactions | Transaction | $5 | — | Cheques written by you and negotiated through the clearing system. Cheques deposited to your account (including cheques deposited via Quick Deposits or QuickCash envelope banking). |
| Coin handling fee | Transaction | 1.00% of transaction | — | The coin handling is 1% of the total value of the coin component of all deposit and withdrawal transactions, where the total value of coins handled exceeds $1,000 per day. This fee is debited on the… |
| Note handling fee | Transaction | 0.25% of transaction | — | The note handling is 0.25% of the total value of the notes component of all deposit and withdrawal transactions, where the total value of notes handled exceeds $50,000 per day. This fee is debited on… |
| Withdrawals or transfers made via telephone banking using an operator | Transaction | $5 | — | Withdrawals or transfers made via telephone banking using an operator. |
| Access fee - Overseas transactions | Withdrawal | 3.50% of transaction | — | Any other cash withdrawal overseas: AUD $5 plus 3.5% of the transaction value. |
| Access fee - Overseas transactions | Withdrawal | 3.50% of transaction | — | Maestro (EFTPOS) or Visa Debit Card or Debit MasterCard purchase in foreign currency: 3.5% of the transaction value. |
| Assisted transactions | Withdrawal | $5 | — | Withdrawals made over the counter at a Commonwealth Bank branch, Australia Post office or private agency (including EFTPOB/Bank@Post). |
| CommBank ATMs outside Australia | Withdrawal | $2 | — | The fee is charged to the account at the time of the withdrawal. This fee may be charged for each withdrawal you make through ATMs and Maestro, Cirrus, MasterCard or Visa Plus networks outside Austra… |
§ 03 — Features
Instant paymentsPayIDDigital bankingUnlimited transactionsCommBank Yello for Business
- · Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.
- · Streamline your business banking and save time with automatic data feeds from your online banking to your accounting software.
- · Each assisted transaction will be chargeable. At the end of each month, the Bank will rank these transactions in the following order: 1. Quick Deposits - cash and cheque deposits 2. Cheque transactio…
- · Funding is up to 80% of the value of outstanding invoices; the funding available will grow in line with your sales.
- · No monthly account keeping fees for the Stream Working Capital Transaction Account. Other fees will be detailed in your Letter of Offer and may include: a line fee and an establishment fee.
- · Use QR Cardless to withdraw cash or deposit notes, coins and cheques (subject to product eligibility) by using the latest version of the CommBank app to scan a QR code at a compatible CommBank ATM.
§ 04 — Eligibility & limits
- · Available to businesses
- · Amount $500,000 to no maximum
- · Issue invoices to other businesses (B2B).
- · To use the platform, you'll need a Stream Working Capital Transaction Account to get your invoices paid into.
- · Access to Commbiz and/or Netbank.
- · Completion of identification and verification of the individual and business.
- · Issue invoices in Australian dollars (AUD).
- · Issue invoices in arrears.
§ 06 — Run the numbers
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Published by CommBank under the Consumer Data Right, last changed by them on 23 Sept 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.