Your CommSec share trading account + cash account

The Commonwealth Direct Investment Account (CDIA) linked to your trading account combines the expertise of CommSec and the Commonwealth Bank of Australia (CBA) to bring you an account that’s designed for holders of CommSec share trading accounts. It works with your CommSec share trading account so that all your cash needs — trading, saving and transacting — are covered.^

Alexander Fong

What’s a Commonwealth Direct Investment Account (CDIA)?

The CDIA for CommSec is a cash management account specifically designed for CommSec share traders, allowing you to trade, save and transact, when and where it suits you. That’s why we say it’s 'always on'.

‘Always on’ means your money is always ready to work for you, however you want it to, such as:

  • Seamless settlement of trades, so you can take advantage of investment opportunities as they arise, without having to transfer funds between accounts
  • Low brokerage from just $19.95* per trade when you settle to your CDIA
  • Earn interest between investments on balances over $10,000 without the hassle of having to move funds between accounts
  • Transact real-time on your cash account through NetBank, CBA’s leading online banking platform
  • A full range of transaction functions and at-call access to your cash, plus an optional CBA Debit MasterCard™

More about the CDIA for CommSec

As well as being a settlement Account for your CommSec Share Trading Account, the CDIA is a fully featured cash management account:

  • Interest on your CDIA is calculated daily and paid monthly^
  • No monthly account keeping fees1
  • Unlimited electronic transactions and two assisted withdrawals free each month2
  • One account for all your transactions so you don’t need to move funds between multiple cash accounts
  • Access via Australia’s largest branch network and telephone banking
  • Access to CBA’s online banking platform, NetBank, for complete visibility of your transactions instantly and 24 hour access
  • An optional CBA Debit MasterCard® offers easy access to your cash via Australia’s largest bank ATM network; plus you can use BPAY, EFTPOS and a chequebook. Android, iPad and iOS mobile devices including Kaching and CommBank App are at your disposal.

* To be eligible for discount brokerage you are required to trade online, be CHESS sponsored and have your Commonwealth Direct Investment Account (CDIA) linked for settlement.

^ Applies to CDIA's opened on or after 1 November 2012. For payment frequency on CDIA's opened on or prior to 31st October 2012, interest is calculated daily and paid quarterly.

1 Applies to CommSec Trading Account holders only

2 Applies to CommSec Trading Account holders and CDIA opened through CommSec on or after 1 November 2012. For accounts opened on or before 31 October 2012 different rules apply.

For further information please view the Transaction, Savings and Investment Accounts Terms and Conditions

The information on this site has been prepared without taking account of the objectives, financial situation or needs of any particular individual. For this reason, any individual should, before acting on the information on this site, consider the appropriateness of the information, having regards to the individual's objectives, financial situation and needs, and, if necessary, seek appropriate professional advice.

Why choose CommSec?

  • Trade from $19.95 (Conditions apply)
  • Unlimited electronic withdrawals
  • Tiered interest rate
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