Everyday Offset is a transaction account which is linked to an eligible home loan, and account holder(s) must also be account holders of the linked home loan. Interest is not charged on the part of the Home Loan balance equal to the Transaction account. Full terms and conditions for transaction and savings accounts are available at CommBank.com.au or from any branch of the Commonwealth Bank. Fees and charges apply.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.commbank.com.au/public/cds-au/v1/banking/products/ed65bdaefe1d4b2d83cdcd384c9d582d- Content hash
sha256 391b19f7032295a1612ab18650e175503bf6b646e854003469e4fee8f5717dce- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_391b19f7032295a1_a17599e5Show details
- Checked
- 1 Nov 2026
- URL
https://api.commbank.com.au/public/cds-au/v1/banking/products/ed65bdaefe1d4b2d83cdcd384c9d582d- Content hash
sha256 391b19f7032295a1612ab18650e175503bf6b646e854003469e4fee8f5717dce- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Unpaid cheque or debit fee | Event | $5.00 |
| Transaction listing or ad-hoc paper statement fee | Event | $2.50 |
| Overdraw fee | Event | $15.00 |
| Account fee | Periodic | $0.00 |
| Paper Statement Fee - Standard Cycle | Periodic | $0.00 |
| Access fee - ASB Bank ATMs in NZ and overseas CommBank ATMs | Withdrawal | $2.00 |
| Access fee - Other overseas cash and ATM withdrawals | Withdrawal | 3.50% |
| Access fee - Overseas purchases | Purchase | 3.50% |
| Staff assisted withdrawals | Withdrawal | $0.00 |
| CBA ATM cash withdrawals in Australia | Event | $0.00 |
| Cheque negotiated fee | Transaction | $0.00 |
| Monthly card fee | Periodic | $10.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Card access | Link to Existing Card | |
| Card access | Debit Mastercard | Use instore, online and withdraw local currency at millions of locations, everywhere Mastercard is accepted. Choose a Debit Mastercard with your CommBank account and pay for things using your card, smartphone or wearable. You may receive access to other features and benefits associated with your Debit Mastercard subject to eligibility, approval and terms and conditions. |
| Additional cards | We may limit the number of cards that may be issued or linked to a single account or customer profile. | |
| Card access | Platinum Debit Mastercard | Platinum Debit Mastercard is a premium debit card that can be linked to your CommBank transaction account and can be used everywhere Mastercard is accepted. Enjoy additional exclusive features and benefits, including complementary purchase protections, with the Platinum Debit Mastercard, subject to eligibility, approval, and terms and conditions. |
| Card access | World Debit Mastercard | World Debit Mastercard is a premium debit card that can be linked to your CommBank transaction account and can be used everywhere Mastercard is accepted. Earn CommBank Yello points on eligible purchases using your World Debit Mastercard. The earning and redemption of CommBank Yello points are subject to meeting the eligibility criteria, including holding an eligible transaction account, as well as the applicable CommBank Yello terms and conditions. You may also enjoy additional exclusive features and benefits, including complimentary insurances and purchase protections, with the World Debit Mastercard, subject to eligibility, approval, and terms and conditions. Fees apply. |
| Loyalty program | CommBank Yello | CommBank Yello provides benefits for eligible CommBank customers, subject to terms and conditions. The earning and redemption of CommBank Yello Points are subject to meeting the eligibility criteria, including holding an eligible transaction account, as well as the applicable CommBank Yello terms and conditions. |
| Other | Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers. | |
| Digital banking | Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want. | |
| Npp payid | Get faster payments between participating banks, anytime with a PayID. | |
| Npp enabled | Pay and receive near real-time payments. | |
| Other | There is no minimum balance needed for the offset to be applied to your home loan. | |
| Other | Maximise the benefits of offsetting by linking multiple Everyday Offset accounts to a Standard Variable Rate (Owner Occupied or Investment) Home Loan or Simple Home Loan, provided they're in the name(s) of the loan borrowers. You can link a maximum of 99 Everyday Offset accounts per Standard Variable Rate Home Loan and a maximum of two Everyday Offset accounts per Simple Home Loan. You can only link a maximum of one Everyday Offset account per Digi Home Loan. Each Everyday Offset account can only be linked to one home loan at a time. Existing eligible CommBank accounts can be switched to an Everyday Offset account. | |
| Other | You are not required to have a card to use this product. | |
| Other | An Everyday Offset can be linked to a Standard Variable Rate Home Loan (Owner Occupied or Investment), Digi Home Loan or Simple Home Loan. Any money you put into your Everyday Offset reduces the balance on which we charge interest. However, you do not earn interest on the balance in your Everyday Offset, even if the balance exceeds the balance of the home loan. | |
| Eligibility: other | Available to personal customers with a Standard Variable Rate Home Loan (Owner Occupied or Investment), Digi Home Loan or Simple Home Loan. | |
| Eligibility: other | Everyday Offset must be in the same name(s) as the borrowers on the home loan. You can open an Everyday Offset in your name or jointly with your Co-Borrower(s). |
Rate history
No earlier values recorded yet.
Tags
| Tag | Meaning | Effect |
|---|---|---|
quality:no-interest | quality:no-interest | |
out-of-scope | Reason this product is not ranked | |
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.