Features and Benefits

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CommSec Cash Account

Features & Benefits

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No monthly account  fees You'll pay no monthly account fees, and there's no minimum opening or ongoing balances or limit on the number of deposits or withdrawals you can make.
0.25%pa paid on balances over $5,000 Interest is calculated daily and paid monthly - on every dollar in your account when the balance is $5,000 or more.
Collateral for your trades Use the funds in your CommSec Cash Account and CommSec Investment Account as collateral for your trades, at the same time as they're earning you interest.
Online cash management

Enjoy the convenience of cash management, so you can manage your cash where and when it suits you:

  • Set up regular payments including direct credits (such as salary credits) and direct debits.
  • Transfer funds instantly between your linked CommSec Accounts.
  • Make BPAY® payments and Pay Anyone transfers.
  • Make purchases or withdraw cash with your CommSec Debit MasterCard®.
Unique AutoSweep function Simply activate it online and set a balance amount above $10,000, and choose between a weekly or monthly AutoSweep. Each week or month, on the day or date you specify, available funds over the amount you've set are automatically swept into your higher-interest CommSec Investment Account. 
Instant transfers Transfer funds instantly from your CommSec Cash Account to your CommSec Investment Account to earn the higher interest on your savings. When you need to access your savings, instantly transfer them to your CommSec Cash Account.  
Share trade settlement and low brokerage Settle your CHESS-sponsored share trades directly from your CommSec Cash Account, and you'll also be able to take advantage of our low Internet preferred brokerage rate from $19.95** per trade. 
Single log-in and view Manage your share trading, savings and margin lending portfolio using one simple log-in and view.
Consolidated statement Budget and manage your wealth with one consolidated online statement, saving you time across your share trading accounts, cash accounts and margin lending portfolios.
Support Feel secure in the knowledge that Cash Management support is available 8am to 8pm (Sydney time), 7 days a week, plus 24-hour support for lost or stolen cards.

CommSec Investment Account


Features & Benefits

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No monthly account fees

Make the most of your high-interest savings account, with no monthly fees and no other fees on the account, no strings attached.

4.75%pa^ on every dollar

Earn competitive interest on every dollar in your CommSec Investment Account, calculated daily and paid monthly. And there are no minimum opening or ongoing balances, or limits on deposits and withdrawals.

Instant transfers

When you're ready to pay for share trades, access your cash or make purchases, simply transfer funds instantly between your CommSec Investment Account and your CommSec Cash Account.

Collateral for your trades

Use the funds in your CommSec Investment Account as collateral for your trades, at the same time as they earn you a great interest rate.

CommSec Debit MasterCard


Features & Benefits

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Your new card comes with Chip technology

 Chip cards offer a more secure way to process card transactions. The secure microchip contains security data and software - because it is more difficult to fraudulently copy the details of the card, security is increased.

Tap & GoTM with MasterCard PayPassTM

 MasterCard PayPass is a faster, easier way to make purchases of $100 or less. You donÕt need to sign or enter a PIN to pay for things $100 or less. Just tap your card against a PayPass reader and once the transaction is confirmed with a beep, you're done.

No annual fees or interest payments

 This is not a credit card and so there are no annual fees, interest payments or late interest payment fees because you are accessing your own money in the CommSec Cash Account
Unlimited free Commonwealth
Bank ATM transactions		 You can use your CommSec Debit MasterCard® for withdrawals and balance enquiries at any Commonwealth Bank ATM in Australia, with no fees.
Access your cash wherever you are
world-wide		 Withdraw cash from your CommSec Cash Account at over 1.9 million ATMs worldwide. You can also use your CommSec Debit MasterCard® at over 26 million locations worldwide, wherever the MasterCard logo appears.
Transaction Security Enjoy peace of mind with fraud monitoring on every card transaction and MasterCard Zero Liability, protecting you against fraud and unauthorised charges.^^
MasterCard applause™

MasterCard applause™ is an exclusive entertainment service brought to you by MasterCard & Ticketmaster. Now, you can get coveted access to some of the biggest events and names in entertainment and sport.

As a MasterCard cardholder, you'll enjoy pre-sale periods and exclusive admission to concerts and live events, plus special offers on a number of tickets.

 

 

Why Choose CommSec?

  • No Monthly Account Fees
  • Earn 4.75%pa^ on your cash in your Investment Account
  • Enjoy discounted brokerage from $19.95**
  • Fee-free access to CBA ATM's with the Debit MasterCard®
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Contact Us

Phone: 13 15 19 (8am to 8pm, Sydney time, Monday to Friday)

If your CommSec Debit MasterCard is lost or stolen, call immediately on 13 15 19,
or +61 2 8223 7014 if outside Australia. Our emergency call centre is open 24 hours, 7 days a week.

Email: shares@commsec.com.au