NAB vs CommBank

Compare these NAB and CBA products:

• NAB vs CBA: Transaction accounts
• NAB vs CBA: Savings accounts
• NAB vs CBA: Home loans
• NAB vs CBA: Credit cards
• NAB vs CBA: Term deposits

NAB vs CBA transaction accounts

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Finder Score (low-high)Finder Score (high-low)Monthly fee (low-high)Monthly fee (high-low)Govt. Guarantee (low-high)Govt. Guarantee (high-low)Own network ATM fee (low-high)Own network ATM fee (high-low)Card type (low-high)Card type (high-low)

Finder Score	Monthly fee	Govt. Guarantee	Own network ATM fee	Card type
Finder score 7.6Great Commonwealth Bank Smart Access Apple Pay Google Pay Samsung Pay Garmin Pay	Finder score 7.6Great	Monthly fee $4	Government Guarantee	Own network ATM fee $0	Card type Mastercard	ContinueMore info Compare product selection Compare	loading
Finder score 8.5Great NAB Classic Banking Account Apple Pay Google Pay Samsung Pay Garmin Pay	Finder score 8.5Great	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	Get personalised cashback offers via the NAB app with NAB Goodies	ContinueMore info Compare product selection Compare	loading

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Finder Score for bank accounts

We assess multiple product features for transaction accounts from over 100 providers and assign each product a score out of 10.

Read the full Finder Score methodology

If you’re looking for a basic transaction account to help you manage your everyday banking, NAB offers the Classic Banking Account and CommBank provides the Everyday Account Smart Access.

Both accounts come with a free debit card and offer 24/7 online access via Internet banking or the bank's mobile app. Both accounts allow for free ATM withdrawals at all Big Four bank ATMs Australia-wide, and have no fees for electronic transactions.

Our expert says

"One major difference is the NAB Classic Banking Account has no monthly acconut fee and no minimum deposit requirement, while CBA charges a $4 fee. This fee is waived if you deposit $2,000 a month or you're under 30."

Alison Banney

Editorial Manager, Money

Both banks also offer special transaction accounts for pensioners and retirees, including the NAB Retirement Account and the CommBank Pensioner Security Account.

NAB vs CBA savings accounts

There are several different types of savings accounts available from NAB and CommBank.

High-interest savings accounts

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Finder Score (low-high)Finder Score (high-low)Maximum Variable Rate p.a. (low-high)Maximum Variable Rate p.a. (high-low)Base interest rate (low-high)Base interest rate (high-low)Intro/Ongoing (low-high)Intro/Ongoing (high-low)Government Guarantee (low-high)Government Guarantee (high-low)Monthly Max Rate Conditions (low-high)Monthly Max Rate Conditions (high-low)

Finder Score	Maximum Variable Rate p.a.	Base interest rate	Intro/Ongoing	Government Guarantee	Monthly Max Rate Conditions
Finder score 5 Standard NAB iSaver	Finder score 5 Standard	Maximum Variable Rate p.a. 4.40%	Standard Variable Rate p.a. 1.25%	Intro/Ongoing 4 months	Government Guarantee	Monthly Max Rate Conditions N/A	ContinueMore info Compare product selection Compare	loading
Finder score 5.7 Standard Commonwealth Bank NetBank Saver	Finder score 5.7 Standard	Maximum Variable Rate p.a. 4.65%	Standard Variable Rate p.a. 1.90%	Intro/Ongoing 5 months	Government Guarantee	Monthly Max Rate Conditions N/A	ContinueMore info Compare product selection Compare	loading

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How the Finder Score helps you find a better savings account

The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.

We score each savings account in our database of hundreds based on a data-driven methodology with 2 main criteria: Does the account offer a high interest rate? And is it easy for savers to actually earn that rate?

Read the full Finder Score breakdown

Both the NAB iSaver Account and CommBank's NetBank Saver Account offer bonus interest rates for new customers for an introductory period. CBA's account offers the higher bonus rate for 5 months, while NAB offers it for 4 months.

Neither account has any ongoing monthly deposit conditions to meet.

Reward/bonus saver accounts

Reward saver accounts pay bonus interest to “reward” you for satisfying special terms and conditions, for example depositing a minimum amount into your account each month.

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Finder Score (low-high)Finder Score (high-low)Maximum Variable Rate p.a. (low-high)Maximum Variable Rate p.a. (high-low)Base interest rate (low-high)Base interest rate (high-low)Intro/Ongoing (low-high)Intro/Ongoing (high-low)Government Guarantee (low-high)Government Guarantee (high-low)Monthly Max Rate Conditions (low-high)Monthly Max Rate Conditions (high-low)

Finder Score	Maximum Variable Rate p.a.	Base interest rate	Intro/Ongoing	Government Guarantee	Monthly Max Rate Conditions
Finder score 8.5 Great NAB Reward Saver	Finder score 8.5 Great	Maximum Variable Rate p.a. 4.10%	Standard Variable Rate p.a. 0.10%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions 1 deposit No withdrawals	ContinueMore info Compare product selection Compare	loading
Finder score 8.9 Great Commonwealth Bank GoalSaver Account	Finder score 8.9 Great	Maximum Variable Rate p.a. 4.45%	Standard Variable Rate p.a. 0.30%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions At least 1 deposit Grow balance	ContinueMore info Compare product selection Compare	loading

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How the Finder Score helps you find a better savings account

The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.

We score each savings account in our database of hundreds based on a data-driven methodology with 2 main criteria: Does the account offer a high interest rate? And is it easy for savers to actually earn that rate?

Read the full Finder Score breakdown

Both acconuts offer quite similar interest rates, but the conditions to earn bonus interest does vary slightly.

The NAB Reward Saver pays bonus interest every month you make at least 1 deposit (of any amount) but do not make any withdrawals. You also need to make the deposit by the second last banking day of the month.

The CommBank GoalSaver Account paye bonus interest each month you make at least 1 deposit (of any amount) and grow your balance. So unlike with NAB, you can make withdrawals from CommBank's account, however you need to replace the money by the end of the month so your balance grows.

CommBank offers its YouthSaver Account to customers under 14 years of age. This provides a maximum variable rate of 4.55% p.a. to account holders who make at least 1 deposit but do not make any withdrawals each month.

NAB vs CBA home loans

Both banks are two of the biggest lenders in the country, offering many different mortgage products for owner-occupiers and investors.

Both lenders offer competitive interest rates. In fact, their lowest rates are often identical. And the two lenders often have similar cashback offers for refinancers.

Compare CBA home loans

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Interest Rate p.a.	Comparison Rate p.a.	Fees	Custom Badges	Monthly Payment
Commonwealth Bank Digi Home Loan	Interest Rate 5.44%	Comparison Rate 5.57%	Fees Application: $300 Ongoing: $120 p.a.	Principal & Interest40% min. equityInvestmentOffset account	Monthly Payment $847 per month	Enquire nowMore info Compare product selection Compare	loading
Commonwealth Bank Digi Home Loan	Interest Rate 5.49%	Comparison Rate 5.62%	Fees Application: $300 Ongoing: $120 p.a.	Principal & Interest30% min. equityInvestmentOffset account	Monthly Payment $852 per month	Enquire nowMore info Compare product selection Compare	loading
Commonwealth Bank Digi Home Loan	Interest Rate 5.54%	Comparison Rate 5.67%	Fees Application: $300 Ongoing: $120 p.a.	Principal & Interest20% min. equityInvestmentOffset account	Monthly Payment $857 per month	Enquire nowMore info Compare product selection Compare	loading
Commonwealth Bank Digi Home Loan	Interest Rate 5.70%	Comparison Rate 5.67%	Fees Application: $300 Ongoing: $120 p.a.	Interest only40% min. equityInvestmentOffset account	Monthly Payment $872 per month	Enquire nowMore info Compare product selection Compare	loading
Commonwealth Bank Digi Home Loan	Interest Rate 5.75%	Comparison Rate 5.72%	Fees Application: $300 Ongoing: $120 p.a.	Interest only30% min. equityInvestmentOffset account	Monthly Payment $877 per month	Enquire nowMore info Compare product selection Compare	loading

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Compare NAB home loans

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Interest Rate p.a.	Comparison Rate p.a.	Fees	Custom Badges	Monthly Payment
NAB Defence Force Fixed Rate Home Loan	Interest Rate 5.19%	Comparison Rate 6.16%	Fees Application: $0 Ongoing: $96 p.a.	Principal & Interest 2Y Fixed5% min. equityOwner-occupierInvestment	Monthly Payment $824 per month	Enquire nowMore info Compare product selection Compare	loading
NAB Defence Force Choice Package Fixed Home Loan	Interest Rate 5.19%	Comparison Rate 6.44%	Fees Application: $0 Ongoing: $395 p.a.	Principal & Interest 2Y Fixed5% min. equityOwner-occupierInvestment	Monthly Payment $824 per month	Enquire nowMore info Compare product selection Compare	loading
NAB Defence Force Fixed Rate Home Loan	Interest Rate 5.29%	Comparison Rate 6.27%	Fees Application: $0 Ongoing: $96 p.a.	Principal & Interest 1Y Fixed5% min. equityOwner-occupierInvestment	Monthly Payment $833 per month	Enquire nowMore info Compare product selection Compare	loading

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NAB vs CBA credit cards

As with home loans, both banks have a range of credit cards, including low rate, low fee and rewards cards as well as business and corporate credit cards.

NAB credit cards

• Low rate. NAB has several low-rate cards with 0% interest-free periods for balance transfers. The NAB StraightUp card charges no interest and instead has a monthly fee.
• Points. NAB has frequent flyer cards that let you earn bonus Qantas points, and rewards credit cards as part of the NAB Rewards program.
• Business cards. NAB offers multiple business credit cards, some that let you earn Qantas Points or NAB rewards.

Learn more about NAB's credit cards.

CBA credit cards

• Low rate. CommBank offers low-rate credit cards and a no-interest card, Neo Card, which charges a monthly fee instead.
• Points. CommBank has multiple cards that let you earn CommBank Award Points or Qantas Points, with various tiers that can unlock more points.
• Business cards. You can also get various business credit cards that have low rates, points and other benefits.

Learn more about Commonwealth Bank credit cards.

NAB vs CBA term deposits

Both NAB and CommBank offer term deposits for periods ranging from 1 month to 5 years, with different interest rates available depending on the amount you deposit and the term you select. There are no monthly account fees with either bank,and both banks require a minimum investment of $5,000.

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Finder Score (low-high)Finder Score (high-low)3 Mths p.a. (low-high)3 Mths p.a. (high-low)6 Mths p.a. (low-high)6 Mths p.a. (high-low)9 Mths p.a. (low-high)9 Mths p.a. (high-low)12 Mths p.a. (low-high)12 Mths p.a. (high-low)24 Mths p.a. (low-high)24 Mths p.a. (high-low)

Finder Score	3 Mths p.a.	6 Mths p.a.	9 Mths p.a.	12 Mths p.a.	24 Mths p.a.
Finder Score 8 Great NAB Term Deposit $5,000 min. deposit	Finder Score 8 Great	3 Mths p.a. 2.75%	6 Mths p.a. 3.00%	9 Mths p.a. 3.15%	12 Mths p.a. 3.70%	24 Mths p.a. 3.40%	ContinueMore info Compare product selection Compare	loading
Finder Score 7.8 Great Commonwealth Bank Term Deposit - $5,000 to $49,999 $5,000 min. deposit $49,999 max. deposit	Finder Score 7.8 Great	3 Mths p.a. 2.80%	6 Mths p.a. 3.00%	9 Mths p.a. 3.15%	12 Mths p.a. 3.50%	24 Mths p.a. 3.35%	ContinueMore info Compare product selection Compare	loading

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Finder Score for term deposits

Finder Score assigns Term Deposit products a score out of 10, comparing interest rates and features, to make comparison easier. We assess over 150 products from more than 90 providers, assessing products across different terms to determine an average score per product.

Read the full Finder Score methodology

Written by

Tim Falk

Writer

Tim Falk is a writer for Finder, writing across a diverse range of topics. Over the course of his 15-year writing career, Tim has reported on everything from travel and personal finance to pets and TV soap operas. When he’s not staring at his computer, you can usually find him exploring the great outdoors. See full bio

Co-written by

Richard Whitten

Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise

Richard has written 651 Finder guides across topics including:

• Home loans
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• Money-saving tips