Terms of use

1. The products and services that you may have access to via this site are provided by the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (Bank) one of its wholly owned but non-guaranteed subsidiaries, or other providers that are not part of the group of companies comprising the Bank and its wholly owned subsidiaries. The categories of products and services that you may have access to via this site, include:

(a) bank accounts, credit cards and loans (personal and business) provided by the Bank;
(b) general insurance provided by Hollard Insurance Partners Limited ABN 96 067 524 216 AFSL 235050 (Hollard);
(c) managed investment products provided by Colonial First State Investments Limited ABN 98 002 348 352 AFSL 232468 (CFSIL);
(d) superannuation and pension products provided by Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL); and
(e) broking services provided by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 (CommSec).

2. CommSec is a wholly owned but non-guaranteed subsidiary of the Bank.

Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (referred to as Colonial First State, CFS, ‘we’, ‘us’ or ‘our’) is the Trustee of Essential Super ABN 56 601 925 435 and the issuer of interests in Essential Super. Essential Super is distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (the Bank). The CFS Group consists of Superannuation and Investments HoldCo Pty Limited ABN 64 644 660 882 (HoldCo) and its subsidiaries, which includes CFS. The Bank holds an interest in the CFS Group through its significant minority interest in HoldCo.

This information is issued by CFS and may include general financial product advice but does not consider your individual objectives, financial situation, needs or tax circumstances, and so you should consider the appropriateness of the advice having regard to your circumstances before acting on it. The Target Market Determination (TMD) for Essential Super can be found at cfs.com.au/tmd and includes a description of who the financial product is appropriate for and any conditions on how the product can be distributed to customers. You should read the Product Disclosure Statement (PDS) and the Reference Guides for Essential Super carefully and consider whether the information is appropriate for you before making any decision regarding this product. Download the PDS and Reference Guides at commbank.com.au/essentialsuper-documents or call us on 13 4074 for a copy. 

None of the Bank, HoldCo, CFS, nor any of their respective subsidiaries guarantee the performance of Essential Super or the repayment of capital by Essential Super. An investment in this product is subject to risk, loss of income and capital invested. An investment in Essential Super is via a superannuation trust and is therefore not an investment in, deposit with or other liability of the Bank or its subsidiaries. 

The insurance provider is AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia). AIA Australia is not part of the Commonwealth Bank Group or CFS. Insurance cover is provided to eligible members of Essential Super under policies issued to CFS.

Life Insurance provided by AIA Australia (Life Insurance) and Income Protection provided by AIA Australia (Income Protection), as described on this website, are provided and issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia) and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). AIA Australia is not part of the CBA Group of companies. CBA and its related entities do not sell, issue or guarantee the obligations or performance of AIA Australia or the products it offers and these insurance products do not represent a deposit with or liability of either CBA or any of its related bodies corporate.

Home Insurance and Car Insurance is provided and issued by Hollard Insurance Partners Limited ABN 96 067 524 216, AFSL 235030 (Hollard) and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). Hollard is not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of Hollard or the products Hollard offers and this insurance product does not represent a deposit with or liability of either CBA or any of its related bodies corporate.

3. Your use of this site is subject to these terms of use and any specific terms and conditions that apply to products or services that you may access using this site, including the Electronic Banking Terms and Conditions (PDF). For your ease of reference, a catalogue of all of the specific terms and conditions that may apply to the products and services that you are able to access via this site (and which were made available to you when you applied for each such product or service and which continue to apply) are set out in our Important Information page.

4. The information on this site has been prepared without taking account of the objectives, financial situation or needs of any particular individual. For this reason, any individual should, before acting on the information on this site, consider the appropriateness of the information, having regard to the individual's objectives, financial situation and needs and, if necessary, seek appropriate professional advice. Before making any decision to apply for, obtain or continue to hold any product or service that may be available from the Bank or any of its wholly owned but non-guaranteed subsidiaries, please consider:

• the relevant disclosure document (available from our Important Information page) and its appropriateness to your circumstances; and
• obtaining advice from a financial planner or other appropriately qualified adviser.

5. All information and material that appears on this site is owned by the Bank or one of its group companies unless otherwise indicated. You may only use such information and material in connection with the products and services being accessed via this site.

6. Neither the Bank nor any of its group companies makes any representation or warranty regarding the completeness or accuracy of the information on or accessible via this site.

7. Any links to third party sites appearing on this site are provided for your convenience only. Your access of third party sites using these links is done at your own risk.

8. Unless expressly stated otherwise, the information, products and services accessible via this site are directed at and provided to persons in Australia only.

9. How balances shown in NetBank are calculated depends on the type of account/s held:

• For accounts eligible for cheque deposits, the amounts shown as Available funds may include uncleared cheque amounts.
• Balances for Essential Super, Colonial First State, FirstChoice or GroupSuper accounts are current up to the previous day's transactions;
• CommSec balances are for CHESS sponsored holdings as at the close of business on the previous trading day.  Balances for CHESS sponsored holdings are updated daily between 2am and 7am (excluding Sundays); and,
• Total debits, Total credits and Net position don't include Foreign Currency accounts or Travel Money Cards.