Earn high interest
Earn high interest on the funds in your Notice Investor and boost your savings.
Take your cash further
Boost your savings with CommSec Notice Investor - a high-interest savings account with a withdrawal notice period.
Earn high interest
No extra fees & charges
There are no minimum or maximum balances or account-keeping fees, meaning you can maximise your earnings effortlessly.
Let your money grow
Grow your money for as long as you choose to, earning a competitive variable interest rate of up to 3.70%1.
Create an account that suits your needs
Sign up for a Notice Investor and choose either a 2 or 7 day notice period when you open your account.
What is a notice period?
A notice period is the amount of time required to wait before you can withdraw some or all of the money from your Notice Investor. The longer the notice period, the higher the interest rate.
When opening a Notice Investor, you will need to choose either a 2 or 7 day notice period. Once you have opened your account, the notice period can’t be changed. However, you will be able to open multiple Notice Investor accounts, including for other account structures such as eligible joint, trust or SMSF accounts, to suit your needs. This is no limit to how long you can leave your money in your Notice Investor.
Our interest rates
Interest rates on a CommSec Notice Investor are variable, and the interest earned depends on which notice period you choose when you open your account. There are different interest rates when the funds are on hold, at notice, or at call. Once you open a Notice Investor, the notice period can't be changed – however, you can open multiple accounts with either notice period, and leave your funds in your account for as long as you choose.
2 day notice interest rates
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On hold |
2.95% pa |
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On notice |
2.95% pa |
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At call |
- |
7 day notice interest rates
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On hold |
3.70% pa |
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On notice |
3.70% pa |
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At call |
- |
Interest rates differ for customers classified as Financial Institutions - refer to CommSec Notice Investor Interest Rates for applicable rates.
Account statuses explained
On hold
This means your funds are sitting in your Notice Investor for as long as you choose to leave them there. There are no minimum or maximum balances.
On notice
This means you’ve initiated a withdrawal, and these funds are now waiting out your chosen notice period (either 2 or 7 days).
At call
This means your funds are ready to be transferred into your Commonwealth Direct Investment Account (CDIA).
How it works
Put your money to work in six steps:
- When opening your Notice Investor, choose your notice period, which can be 2 or 7 days.
- Fund your Notice Investor by transferring cash from your CDIA. Here, your funds are ‘on hold’.
- Let your funds grow until you need them.
- When you’re ready to withdraw some or all of your funds, create a notice in NetBank.
- Wait out your chosen notice period. Here, your funds are ‘on notice’.
- Once your notice period has ended (either 2 or 7 days), transfer your available funds to your CDIA. Here, your funds are ‘at call’.
Our rates and fees
Opening and managing your Notice Investor is free2, and there are no ongoing account-keeping fees, or minimum and maximum balances.
Signing up is easy
Already a CommSec customer?
Opening a CommSec Notice Investor is simple. Log into CommSec below and follow the prompts.
What you’ll need to sign up:
- Your CommSec credentials, such as your client ID and password
- Your CDIA details
- Your Tax File Number (optional)3
Not a CommSec customer?
You’ll need to join CommSec before opening a Notice Investor. Joining CommSec is free - open a CDIA and CommSec Share Trading Account below.
What you’ll need to sign up:
- Your personal and contact details
- Your tax residency details
- A valid photo ID
- Your Tax File Number (optional)3
Your questions, answered
Find the answers to your questions about investing with CommSec.
All customers are required to have a CDIA before they open a Notice Investor. Once your funds have waited out their notice period, you will need to transfer them from your Notice Investor to your CDIA to use them.
No, a Notice Investor cannot be used to settle trades. The funds in your Notice Investor will need to be transferred to your CDIA before they can be used to place a trade and complete settlement.
Yes, you can open multiple Notice Investors. As you will need to choose either a 2 or 7 day notice period when you open an account, you can open one (or more) with each notice period option.
You can transfer funds into your Notice Investor from most account types, excluding your International Wallet and physical cash.
Invest anytime, anywhere
Everything you need, all in the palm of your hand - monitor the markets, keep an eye on your CommSec Notice Investor, and invest in Aussie and international stocks.
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Help when it matters
Find the support you need, when you need it.
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Send us your question Fill in our online form and hear from one of our experts within two business days |
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Call us 13 15 19 for calls within Australia |
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Reach out to us on X Tag @CommSec in your question on X |
1 Interest rates are subject to change.
2 Fees are based on the costs involved with opening and operating a CommSec Notice Investor. This figure is not inclusive of CommSec’s other rates and fees, including brokerage fees. See our rates and fees for more information.
3 You don’t have to provide your TFN to open the account, but if you don’t CommBank and CommSec are legally required to deduct tax from any interest earned on the account above a certain threshold.
The CommSec Notice Investor and Commonwealth Direct Investment Account are issued by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. These products are administered by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 (CommSec), a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia. 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 target markets for the CommSec Notice Investor and Commonwealth Direct Investment Account can be found within the product’s Target Market Determination, available at commbank.com.au/tmd.
You can view the CommSec Notice Investor Terms and Conditions and Financial Services Guide on the CommSec website, and the CommBank Transaction, Savings and Investment Account Terms (CDIA) on the CommBank website, and should consider them before making any decision about these products and services.
CommSec accepts no responsibility for any connectivity delays, errors or disruptions caused by your phone service provider that may affect the performance of the CommSec mobile applications. CommSec accepts no responsibility for any fees that your phone service provider charges, such as fees for SMS, data services, or any other fees that your phone service provider may charge.
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