We compare 16 rate options across 8 home loans, 1 car loan, 2 personal loans, 3 savings accounts, 4 term deposits and 10 credit cards from Commonwealth Bank. Its lowest variable owner-occupied principal and interest rate on home loans is 6.34% p.a. (comparison 6.36% p.a.*), on the Digi Home Loan (Owner Occupied). Commonwealth Bank last updated a product in its published data on 19 Oct 2026.
ABN
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Checked against Commonwealth Bank’s own published dataWe show all of the product information we are able to access. For banking products that is each provider’s public Consumer Data Right (CDR) Product Reference Data endpoints, published under the Consumer Data Standards (CDS) maintained by the Data Standards Body. Where a provider does not publish a field, or a row is an editorial selection, we say so. on 19 Oct 2026
Compare Commonwealth Bank Products
Each link opens Commonwealth Bank’s products in that category, shown with the same figures we use for the rest of the market.
Lowest variable rate, owner-occupied, principal & interest6.34% p.a.6.36% p.a. comparison rate*Digi Home Loan (Owner Occupied)
Variable owner-occupied principal and interest rates on 3 of its 8 home loans run from 6.34% to 6.59% p.a., with comparison rates from 6.36% to 6.97% p.a. Of its 16 rate options, 10 are fixed and 6 variable. Its average variable owner-occupied principal and interest rate is 6.51% p.a. (comparison 6.69% p.a.), against a market average of 6.85% p.a. (comparison 6.97% p.a.) across 389 home loans from 101 providers.*
Products Digi Home Loan (Owner Occupied), Simple Home Loan (Owner Occupied), Standard Variable Rate Home Loan (Owner Occupied), 1 year Fixed Rate Home Loan (Investment), 1 Year Fixed Rate Home Loan (Owner Occupied), 2 year Fixed Rate Home Loan (Investment), 2 Year Fixed Rate Home Loan (Owner Occupied), 3 year Fixed Rate Home Loan (Investment)
All 3 of its variable home loans have had a rate change since the RBA’s 29 Sep 2026 decision.
Lowest advertised rate6.99% to 21.99% p.a.8.40% to 23.28% p.a. comparison rate*Unsecured Variable Rate Personal Loan
Advertised rates across its 2 personal loans run from 6.99% to 22.25% p.a., with comparison rates from 8.40% to 27.03% p.a. Of those, 1 publishes a fixed rate and 1 a variable rate. One headline rate has fallen in the last 30 days.*
Products Unsecured Variable Rate Personal Loan, Unsecured Fixed Rate Personal Loan
Advertised rates across its 3 savings accounts run from 2.95% to 5.15% p.a. Of those, 2 pay a bonus rate when conditions are met and 1 offers an introductory rate. Its average advertised rate is 3.77% p.a., against a market average of 3.30% p.a. across 312 savings accounts from 85 providers.
Highest advertised rate5.30% p.a.Standard Term Deposit
Advertised rates across its 4 term deposits run from 3.90% to 5.30% p.a. Terms run from 7 days to 5 years. Its average advertised rate is 4.85% p.a., against a market average of 4.13% p.a. across 647 term deposits from 85 providers. None of these headline rates has changed in the last 30 days.
Products Standard Term Deposit, Farm Management Deposit account (Fixed Term), TD Immigration (DIMIA) Bank Guarantee, TD Parent Visa Bank Guarantee
These figures leave out 1 business term deposit. Show them
Lowest purchase rate0.00% p.a.CommBank Neo CardNo-interest cards like this one charge a fixed monthly fee in place of interest, so the rate on its own does not tell you the cost.
Purchase rates across its 10 credit cards run from 0.00% to 20.99% p.a. Its average purchase rate is 13.63% p.a., against a market average of 17.59% p.a. across 196 credit cards from 59 providers. None of these headline rates has changed in the last 30 days.
These figures leave out 6 business credit cards. Show them
Comparison rate warning
*Warning: the comparison rates shown for home loans are calculated by each lender on its own standard example, usually a $150,000 loan over 25 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
*Warning: the comparison rates shown for car loans and personal loans are calculated by each lender on its own standard example, usually a $30,000 loan over 5 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.
This information is general in nature. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to apply for or hold any particular product. You should read the provider’s Key Facts Sheet, Target Market Determination and terms and conditions or credit contract terms before deciding. CompareThat compares products. We do not arrange, approve or process applications.