CommBankGoalSaver
Be rewarded with a variable bonus interest rate for saving regularly each month.
At a glance
- Up to
- 5.25%
- Base rate
- 0.10%
- Bonus rate
- 5.15%
- Monthly fee
- $0
How it compares
This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
What a bonus account pays in a month its conditions aren't met. One dot per institution, at its highest base rate on a bonus savings account anyone can apply for; hover or tap a dot for its name.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Bonus savings accountBase plus bonus, when every condition is met | 5.25% | 5.75%Defence Bank Limited's iSaver | 5.25%of 51 institutions | 24th highest of 51, level with 4 others |
| Bonus account, conditions missedWhat a bonus account pays in a month its conditions aren't met | 0.10% | 3.45%Heritage's Online Saver Account | 0.10%of 43 institutions | 18th highest of 43, level with 10 others |
Rates
Every rate CommBank publishes for this account, 5 in all.
How the rate is made up
5.25%in a month every condition is met
To earn the bonus
- We pay bonus interest on top of the standard variable credit interest rate on credit balances if you make at least one deposit each calendar month into your account.
- We pay bonus interest on top of the standard variable credit interest rate on credit balances if you have a higher account balance at the end of the month compared to the account balance at the start…
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Bonus | - | - | up to $50,000 | 5.15% | - | paid every 1 mo; We pay bonus interest on top of the standard variable credit interest rate on credit balances if you make at least one deposit each calendar month into your account.; We pay bonus interest on top of the standard variable credit interest rate on credit balances if you have a higher account balance at the end of the month compared to the account balance at the start…; We pay bonus interest on top of the standard variable credit interest rate on credit balances if you: 1) Make at least one deposit each calendar month into your account; and 2) Have a higher account… |
| Bonus | - | - | $1,000,000+ | 5.15% | - | paid every 1 mo; We pay bonus interest on top of the standard variable credit interest rate on credit balances if you make at least one deposit each calendar month into your account.; We pay bonus interest on top of the standard variable credit interest rate on credit balances if you have a higher account balance at the end of the month compared to the account balance at the start…; We pay bonus interest on top of the standard variable credit interest rate on credit balances if you: 1) Make at least one deposit each calendar month into your account; and 2) Have a higher account… |
| Bonus | - | - | $250,000–$1,000,000 | 5.15% | - | paid every 1 mo; We pay bonus interest on top of the standard variable credit interest rate on credit balances if you make at least one deposit each calendar month into your account.; We pay bonus interest on top of the standard variable credit interest rate on credit balances if you have a higher account balance at the end of the month compared to the account balance at the start…; We pay bonus interest on top of the standard variable credit interest rate on credit balances if you: 1) Make at least one deposit each calendar month into your account; and 2) Have a higher account… |
| Bonus | - | - | $50,000–$250,000 | 5.15% | - | paid every 1 mo; We pay bonus interest on top of the standard variable credit interest rate on credit balances if you make at least one deposit each calendar month into your account.; We pay bonus interest on top of the standard variable credit interest rate on credit balances if you have a higher account balance at the end of the month compared to the account balance at the start…; We pay bonus interest on top of the standard variable credit interest rate on credit balances if you: 1) Make at least one deposit each calendar month into your account; and 2) Have a higher account… |
| VariableThe standard variable rate applies if the bonus conditions are not met. The standard variable credit interest rate is paid on your entire account balance. | - | - | - | 0.10% | - | paid every 1 mo |
Rate changes
4 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Bonus, up to $50,000 | 4.90% | 5.15% | up 0.25 |
| 9 Oct 2026 | Bonus, $1,000,000+ | 4.90% | 5.15% | up 0.25 |
| 9 Oct 2026 | Bonus, $250,000–$1,000,000 | 4.90% | 5.15% | up 0.25 |
| 9 Oct 2026 | Bonus, $50,000–$250,000 | 4.90% | 5.15% | up 0.25 |
Each change is logged the night it appears in the rates CommBank publishes. See how every lender answered the RBA on the rate tracker.
Fees
4 fees published, grouped by when they're charged.
While you hold it2
- Account FeeNo fee
- Paper Statement Fee
Fees do not apply for statements issued as per the standard statement frequency.
No fee
When you make a transaction1
- Staff assisted withdrawals
There is no charge when you take money out at a CommBank branch, agency, with telephone banking if using an operator or by cashing a cheque.
No fee
When particular things happen1
- Paper Statement Fee
A fee charged when you ask us to give you a paper copy of transaction listings, past statements or ordered statements, or when you ask us to give you an additional account statement outside of the st…
$2.50
Features
- Staff-assisted withdrawals are available with $0 assisted withdrawal fee
- Whether you have a savings goal in mind or want to build a buffer for those 'just in case' moments, Goal Tracker in the CommBank app helps you set and reach your goals.
- Use QR Cardless to 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
Eligibility and limits
- Minimum age 18
- Available to individuals
- For customers wanting to apply online, they will require an Australian residential address.
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Published by CommBank under the Consumer Data Right, last changed by them on 9 Oct 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.