Following the Reserve Bank of Australia's (RBA) decision to increase the official cash rate by 0.25% per annum (p.a.), CBA will increase rates by 0.25% p.a. on eligible variable-rate business lending products.
The rate change will apply to CBA Business Bank's Variable Base Rate, Commercial Variable Base Rate, Residential Equity Rate, Commercial Residential Equity Rate, Overdraft Reference Rate, and Commercial Overdraft Reference Rate, flowing through to eligible variable-rate business lending products including BetterBusiness Loans and Business Overdrafts. These changes will be effective 13 February 2026.
CBA Group Executive Business Banking, Mike Vacy-Lyle, said: "Australia's economy ended 2025 with more momentum than many expected, reinforcing strong business activity and household demand, supported by a labour market that remains tight. This resilience is positive, but it also means the economy continues to operate close to, or above full capacity, adding to inflationary pressures. We recognise the Reserve Bank's actions are aimed at returning inflation to target and preserving long term economic stability.
"We know any adjustment in interest rates is challenging for business owners who are already navigating higher operating costs. Our priority is to support customers through this environment, and our teams are here to discuss options to help businesses manage the impact of these changes.
"Conditions will continue to vary across sectors, and we encourage any customers needing support to reach out early to our dedicated Business Financial Assistance team."
Support for business customers
CBA offers a wide range of tools and programs to support business customers at every stage of their business journey. This includes:
- Free comprehensive cash flow tracking capabilities via a Business Cash Flow tool in the CommBank app.
- Bill Sense to help customers predict future bills and CommBank's business insights tool called Daily IQ.
- CommBank Business Masterclass modules help upskill businesses in the areas of AI and cashflow with more modules to come.
- Eligible business customers can also benefit from discounts and special offers available via CommBank Yello for Business, the bank's customer rewards and recognition program.
- A range of financial support options are available for business customers experiencing difficulty, including deferred business loan repayments or debt restructuring.
