How to use a margin loan

Before you start trading, you’ll need to transfer collateral onto your margin loan. The types of collateral you can provide are: accepted shares (equities), accepted managed funds, or cash. Here’s how to find the list of Accepted ASX Listed Equities and Accepted Managed Funds on our website:

  1. Log in to your CommSec account
  2. Go to "Products", then select "Margin Loan"
  3. Click on "How it works" and then look for the link to each list

Once you’ve transferred collateral onto your margin loan, you can utilise your updated lending value and place a trade online. Just log in to your CommSec account, go to Trading, select your Margin Loan Account (the account number will start with 7 or 8) and proceed with your order details.

For help with your margin loan, please call CommSec Margin Lending on 13 17 09 or +61 2 9115 1402 if calling from overseas (Monday to Friday, 8am to 6pm, Sydney time).

How do I transfer money in and out of my margin loan?

You can transfer funds either online or over the phone. It will take up to two business days for your funds to clear, as long as we receive your request before 3pm Sydney time.

If you have a bank account linked to your margin loan, you can request a transfer online. You can transfer a maximum of $50,000 per day.

  1. Log in to your account and go to "Portfolio"
  2. Select "Accounts"
  3. Select your margin loan
  4. Click on the "Transfer" button
  5. Select "Margin Loan transfer"

You can also request a transfer over the phone. Call us on 13 17 09 (or +61 2 9115 1402 if calling from overseas) between 8am and 6pm, Monday to Friday, Sydney time.

How do I transfer shares onto my margin loan?

Do you want to transfer shares onto your margin loan to increase its lending value or to cover a buffer or margin call? Please make sure the registration details (including name and address) on the shares are exactly the same as those on your Margin Loan Account. If the details don’t match, the transfer will be rejected.

The process for transferring shares onto your margin loan depends on where the shares are currently held.

Transferring shares held with CommSec

If your shares are currently held on a CommSec Share Trading Account, you can either:

Submit an online request

  1. Log in to your CommSec account
  2. Go to "Portfolio" and select your Margin Loan Account
  3. Under the "Transfers" dropdown menu, select “Margin Loan Transfers”
  4. Select "Transfer Shares" and follow the prompts.

Email us


Please include your CommSec Share Trading Account Number, your name and address, and a list of the shares and units you would like transferred to your margin loan.

Phone one our Account Managers

Call 13 17 09 (or +61 2 9115 1402 if calling from overseas) between 8am and 6pm, Monday to Friday, Sydney time.

Transferring issuer sponsored shares

If your shares are currently held with the share registry (issuer sponsored), you can either:

Submit an online request

  1. Log in to your CommSec account
  2. Go to "Settings"
  3. Select “Transfer shares” in the “Service requests” section
  4. Follow the prompts and select your Margin Loan Account.

Email us

Send us a copy of your most recent Issuer Sponsored Statement and a covering letter with details of your Margin Loan Account and the number of units you would like transferred. You can scan and email your request to

Transferring shares held with another broker

If the shares are held with another broker, you’ll need to complete a Broker to Broker Transfer Form.

To download this form:

  1. Log in to your CommSec account
  2. Go to Settings
  3. Select “View all forms” in the “Forms & Brochures” section
  4. Go to the “Margin Lending” tab
  5. Download the form titled “Transfer of holdings FROM another broker to CommSec”
  6. Once you have completed the form, scan it and email to

We aim to process transfer requests within 2-3 business days. Please check your Margin Loan Account holdings to make sure the stocks and units transferred are correct.

For more info on how to use your margin loan, download our user guide

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©Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 (CommSec) is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. CommSec is a Market Participant of ASX Limited and Cboe Australia Pty Limited, a Clearing Participant of ASX Clear Pty Limited and a Settlement Participant of ASX Settlement Pty Limited.

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

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