Note
Australie
|
Plus de 20 ans
| https://www.commbank.com.au/
Site officiel
Indice de notation
Influence
AAA
Indice d'influence NO.1
Australie 9.83
LicencesEntité agréée：Commonwealth Bank of Australia
N° de réglementation：234945
Mono-cœur
1G
40G
1M*ADSL
Australie
WikiResearch Australie
commbank.com.au États-Unis Australie
VIP n'est pas activé.
| CommBank Résumé de l'examen | |
| Fondé | 1911 |
| Pays/Région Enregistré | Australie |
| Régulation | Réglementé |
| Produits et Services | Banque de détail, banque commerciale, investissement, assurance, superannuation, etc. |
| Plateforme de Trading | Application CommBank, NetBank (Web) et CommSec |
| Support Client | +61 2 9999 3283 |
| 13 2221 | |
| Avantages | Inconvénients |
| Réglementé | Produits d'investissement internationaux limités (marché australien). |
| Services financiers diversifiés | Structures de frais complexes |
| Outils numériques avancés (par ex., application CommBank) | Restrictions sur les services à l'étranger |
| Programme de récompenses de fidélité client |
CommBank est une banque ancienne avec une longue histoire en Australie. Elle est strictement réglementée par l'APRA et est membre du Régime Australien d'Indemnisation Financière. La Commission Australienne des Valeurs Mobilières et des Investissements (ASIC) réglemente cette banque, et son numéro de licence est 000234945. Par conséquent, la sécurité des dépôts est garantie.
Les types de transactions d'investissement comprennent les quatre catégories suivantes :
Actions Australiennes (ASX) : Échangez plus de 2 000 actions australiennes via la plateforme CommSec. Le premier échange minimum est de 500 $, et les échanges suivants commencent à 100 $.
Fonds Négociés en Bourse (ETF) : Les ETF thématiques Pocket offrent plus de 10 ETF thématiques (par ex., technologie, santé) avec un investissement minimum de 50 $. La commission est de 2 $ par transaction (pour les transactions ≤ 1 000 $) ou 0,2 % (pour les transactions > 1 000 $).
Superannuation : Fourni par Colonial First State, des produits comme Essential Super ont des frais 15 % inférieurs à la moyenne de l'industrie.
| Services | Pris en Charge |
| Actions Australiennes (ASX) | ✔ |
| Fonds Négociés en Bourse (ETF) | ✔ |
| Superannuation | ✔ |
| Comptes à Terme et Comptes d'Épargne | ✔ |
Comptes personnels
| Type de compte | Nom du compte | Caractéristiques clés |
| Compte de transactions quotidiennes | Smart Access | • Aucuns frais mensuels• Prise en charge des transferts rapides via PayID• Retrait d'espèces sans carte |
| Dépôt quotidien | • Lié aux prêts hypothécaires, le solde du compte peut compenser les intérêts | |
| Compte d'épargne | NetBank Saver | • Taux d'intérêt flexible• Convient pour les économies à court terme |
| Dépôt à terme | • Taux d'intérêt fixe• Durées de dépôt de 3 mois à 5 ans | |
| Compte d'investissement | Compte de trading d'actions CommSec | • Pour le trading d'actions australiennes• Nécessite un lien avec le CDIA (Compte de gestion de trésorerie) |
| Compte Pocket | • Axé sur le trading d'ETF• Investissement minimum de 50 $ |
Comptes professionnels
CommBank propose un Compte de transactions commerciales adapté aux petites entreprises, sans frais mensuels et nécessitant une vérification ASIC. De plus, les utilisateurs peuvent choisir des comptes de prêt commercial tels que le Prêt commercial amélioré (petit prêt non garanti) et le financement de véhicules et d'équipements.
| Type de service | Article | Frais standard |
| Comptes de transactions | Frais mensuels de base du compte | La plupart n'ont pas de frais mensuels |
| Transfert transfrontalier | 15 à 25 $ par transaction | |
| Frais de conversion de devises étrangères | 1% à 3% | |
| Trading d'investissement | Commission de trading d'actions australiennes | 10 à 29,95 $ par transaction |
| Commission de trading d'ETF | ≤ 1 000 $ : 2 $ par transaction; ＞ 1 000 $ : 0,2% | |
| Prêts hypothécaires | Frais de demande de prêt hypothécaire | 495 à 995 $ |
| Frais de refinancement | Environ 395 $ | |
| Frais annuels du package de patrimoine | 395 $ (inclut une réduction du taux de prêt hypothécaire) | |
| Assurance | Assurance pour animaux de compagnie (Offre de première année) | 2 premiers mois gratuits |
| Assurance pour animaux de compagnie (Frais mensuels ultérieurs) | 20 à 80 $ |
Pour le levier de prêt immobilier CommBank, le montant maximum du prêt peut être de 80% de la valeur de la propriété (LVR ≤ 80%).
| Plateforme de trading | Pris en charge | Appareils disponibles |
| Application CommBank | ✔ | - |
| NetBank | ✔ | Web |
| CommSec | ✔ | - |
| Catégorie | Méthode | Détails |
| Dépôts | Virement bancaire | Prise en charge des transferts locaux/internationaux ; Code SWIFT requis pour les transferts internationaux : CBAUAT22. |
| Dépôt au distributeur automatique | Dépôts d'espèces/chèques gratuits aux distributeurs automatiques CommBank en Australie | |
| Dépôt de salaire direct | Permet aux employeurs de verser les salaires directement ; Éligibilité à des récompenses pour certains comptes (par ex. points de carte de crédit Smart Awards) | |
| Retraits | Retrait au distributeur automatique | Accès aux dollars australiens ou à la devise locale aux distributeurs automatiques Mastercard dans le monde entier ; Frais de retrait à l'étranger : 5 $ par transaction + frais de conversion de devise |
| Transfert vers des comptes liés | Transferts en temps réel gratuits vers d'autres comptes CommBank ou des comptes tiers (nécessite un identifiant PayID/numéro BSB) |
Les récompenses pour les nouveaux clients de CommBank incluent : l'ouverture d'un compte de transaction désigné et l'achèvement de transactions pour recevoir une prime en espèces de 200 $ (offre à durée limitée) ; les nouveaux clients de prêt immobilier peuvent bénéficier d'une remise de 699 $ sur les frais de notaire (via le service Home-in).
De plus, les investisseurs peuvent accéder à des récompenses de fidélité telles que le programme CommBank Yello, qui offre des points, du cashback (par ex. jusqu'à 40 $ de cashback mensuel sur les prêts immobiliers), et des remises de service. Les dépenses par carte de crédit accumulent des points Awards CommBank, qui peuvent être échangés contre des cartes-cadeaux ou des miles de voyageur fréquent Qantas.
In my experience as a trader, choosing CommBank comes with specific advantages and disadvantages that are important to weigh, especially if you prioritize safety and well-established institutions. The most significant advantage for me has always been regulation and stability. CommBank is one of Australia’s largest banks, operating since 1911 and regulated strictly by ASIC and APRA. This means my funds feel protected by the country’s robust financial oversight and the Australian Financial Claims Scheme, which is not always the case with smaller brokers. Their digital platforms, like the CommBank app and CommSec, are mature and user-friendly, making day-to-day management of investments straightforward. The ability to trade more than 2,000 ASX-listed stocks and a select set of ETFs is enough for many local investors. The process for things like bank transfers, salary deposits, and accessing funds via an ATM, has always felt seamless and dependable to me, even for business transactions. However, the downsides are quite clear and have shaped my trading decisions. CommBank’s offerings are limited almost exclusively to Australian securities. If you, like me, want to access a broader suite of global forex or international markets, you'll soon find these options lacking. Fee structures can also be more complex than many specialist forex brokers, and their foreign exchange fees, cross-border transfer charges, and trading commissions can add up quickly. It’s also worth noting that support for forex trading specifically is minimal, which might be a dealbreaker if that’s your main focus. In summary, I see CommBank best suited for those seeking regulatory security, stability, and simplicity in managing Australian assets—not for advanced traders seeking diverse global markets or low-cost forex execution.
In my experience as an independent trader, trustworthiness is the cornerstone when dealing with any financial institution, particularly one that could be handling significant investments or trading operations. With CommBank, what stands out for me first is its extremely long track record—over a century in operation and registration in Australia, which provides a real sense of institutional stability. CommBank is strictly regulated by both APRA and ASIC, under license 234945, and is listed on several major exchanges, making it transparent and accountable in ways I value highly. This established oversight is a reassurance that deposits and client assets are subject to robust protections, which is a crucial safeguard for any trader. From a security perspective, I appreciate features like the self-developed platforms and strong digital tools. Having used both the CommBank app and NetBank, I find their interfaces reliable for managing day-to-day finances, though I do notice the product range is quite focused on Australian markets, which may limit options for those seeking a more global trading approach. User reviews mostly echo my own observations regarding professionalism and efficient client support. Positive experiences, especially those describing prompt action when resolving errors, bolster my confidence in their customer service standards. Still, I have seen some concerning reports of frozen funds and requests for additional payments to release money. While it’s impossible to verify the specifics of every complaint, these accounts do remind me to remain vigilant—always confirm processes directly with the bank and be cautious if anything seems irregular. Overall, I assess CommBank as highly trustworthy, particularly for traditional banking and regulated investment activities in Australia. I still prefer to exercise caution—closely reviewing terms, fee structures, and staying alert for any transactional discrepancies. For my needs, CommBank’s regulatory backing and consistent service inspire confidence, but, as with any institution, I believe careful engagement is key for financial security.
From my personal experience as a trader who values both stability and regulatory oversight, there are three notable benefits I have encountered with CommBank. First, the bank’s regulatory backbone stands out. As one of Australia’s “Big Four” banks, CommBank is licensed by ASIC and is part of the Australian Financial Claims Scheme, which leaves me feeling much more confident about the security of my deposits and the overall integrity of their services. I believe this level of regulation is critical, especially given the rising number of unregulated brokers in the industry. Second, I have found CommBank’s digital tools and platforms to be consistently reliable and user-friendly. The CommBank app and NetBank web platform allow me to manage accounts, transfer funds, and monitor my investments smoothly from anywhere—vital for those of us who require fast, clear access when markets move. For investment purposes, their integration with CommSec and additional services, such as ETF trading with minimums as low as $50, offer flexibility without overcomplicating the process. Finally, their suite of diversified financial services means I can manage not just trading, but daily banking, loans, insurance, and retirement accounts in one place. For me, this means reduced hassle and fewer third parties involved in my financial affairs, with the added benefit of occasional loyalty rewards and customer incentives. However, I always recommend carefully reviewing their product fee structures, as costs can add up, and considering if their primarily Australian market focus fits your individual needs. Overall, CommBank’s blend of robust regulation, strong digital tools, and broad service coverage has provided me with a sense of stability in my trading and personal finances.
Based on my experience and research, CommBank primarily offers its own proprietary platforms, including the CommBank app, NetBank (their web platform), and CommSec for investment activities, especially share trading. These platforms are developed and maintained by CommBank, focusing on providing a secure and integrated banking and investment experience for Australian clients. When I explored their offering, I found their digital tools to be advanced and user-friendly for account management, payments, savings, and trading Australian equities or ETFs. However, as someone who trades forex and is accustomed to platforms like MT4, MT5, or cTrader for their advanced charting, automation, and broad asset coverage, I noticed that CommBank does not directly offer MT4, MT5, or cTrader for retail trading. Their CommSec service is tailored to domestic equities and ETFs rather than global forex or CFD trading. This distinction matters, as these popular third-party platforms are typically favored by traders seeking advanced technical tools and global market access, attributes not present in CommBank’s suite. For me, this means CommBank may suit those prioritizing local regulation, security, and an all-in-one banking-investment relationship, but it is not well-suited for dedicated forex trading with MT4, MT5, or cTrader. Careful consideration is vital before selecting CommBank if advanced multi-asset or algorithmic trading is essential to your strategy.
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