For accounts opened / migrated on or after 1 November 2012:

• CDIA accounts linked to CommSec Trading Account option allows for unlimited fee-free electronic withdrawals plus 2 fee-free assisted withdrawals each month
• SMSF CDIA option allows for unlimited fee free electronic withdrawals and assisted withdrawals each month

For accounts opened on or before 31 October 2012: please refer to your Offer Confirmation Letter (available on NetBank) or for Standard Access (CDIA) accounts, please refer to Rates and Fees.

For a complete list of potential fees and charges that may apply, please read the Transaction, Savings and Investment Terms and Conditions.

Fees and rates are subject to change.

You have several options to transfer funds into your Commonwealth Direct Investment Account (CDIA):

Transfer from your linked Commonwealth Bank accounts
You can transfer funds from your linked accounts to your CDIA in real-time using NetBank. Your linked Commonwealth Bank accounts are those you can see on the NetBank home page.

To transfer funds to your CDIA:

1. Login to NetBank. If you are beginning from the CommSec website, you can simply switch into NetBank by selecting NetBank from the single sign-on toggle in the top-left corner of your screen.
2. Go to the Transfers tab then select Transfer money.
3. In the From account drop-down menu, select the account with the funds you wish to transfer.
4. In the To account drop-down menu, select your CDIA.
5. Enter the amount you wish to transfer and an optional description, then click Next.
6. On the confirmation screen, review your transfer details. If they are correct, click Transfer to complete the transfer to your CDIA. Your funds will be available in your CDIA immediately.

From unlinked accounts
If you wish to transfer funds from someone else’s account, or transfer from your account at another financial institution, you will require your CDIA details including BSB and account number.
You can locate your CDIA details by logging into the CommSec website and navigating to the Portfolio tab. Your CDIA details can also be found on your NetBank home page.

Commonwealth Bank ATM
You can transfer funds between your linked accounts by using any Commonwealth Bank ATM., You can also deposit cash and cheques directly to your CDIA at selected ATMs. Locate the Commonwealth Bank ATM nearest you.

Commonwealth Bank branch
You can deposit cash and cheques into your CDIA by visiting your nearest Commonwealth Bank branch. Locate the branch closest to you.

There is no minimum balance on CDIAs. Interest on your CDIA is calculated daily and credited to your account on the first calendar day of each month.

1. Login to NetBank. If you are logged into the CommSec website, switch into NetBank by selecting 'NetBank' from the tab in the top-left corner of your screen.
2. Go to the 'Transfers' tab then select 'Transfer money'.
3. In the 'From' account drop-down menu, select your CDIA.
4. Under the 'To' account, use the drop-down menu to select an account which is already in your NetBank address book. To transfer to an account which is not in your address book, select 'Pay new account' and enter the account details.
5. Enter the amount you wish to transfer and an optional description, then click 'Next'.
6. If you are paying to an account which is not in your address book, you will need to generate a NetCode SMS for additional security. Select 'Get NetCode SMS' and you will receive an SMS to your mobile phone. To continue, enter the NetCode that is sent to your phone.
7. On the confirmation screen, review your transfer details. If they are correct, click 'Transfer' to complete the transaction.

Yes. You can access your CDIA and make transactions in NetBank. Once you have logged in using your NetBank ID, you can also switch to CommSec and navigate easily between both sites. This means you can take advantage of investment opportunities as they arise and access your cash instantly to settle trades.

Yes. You can have multiple CDIAs under your CommSec profile. 

You can use NetBank to change your daily withdrawal limit. Please note that this change will apply to all your linked CBA accounts.

1. Login to NetBank. If you are logged into the CommSec website, you can switch into NetBank by selecting 'NetBank' from the tab in the top-left corner of your screen.
2. Go to 'More', then select 'Payment limits'.
3. Select the limit that meets your needs from the drop-down menu.
4. To continue, you will need to generate NetCode SMS for additional security. Select 'Get NetCode SMS' and you will receive an SMS to your mobile phone. Enter the NetCode sent to your phone and then select 'Save changes'.

Changes will take effect immediately and you will receive a bank message to confirm your daily withdrawal limit was updated successfully.

There are no account-keeping or electronic transaction fees for CDIA. Online transfers, direct debits and withdrawals from Commonwealth Bank ATMs within Australia are also free.

For a complete list of potential fees and charges that may apply, please read the Transaction, Savings and Investment Accounts Terms and Conditions and the CBA Financial Services Guide. Rates and fees are subject to change.