CommSec Pocket is a micro-investing app by Commonwealth Bank of Australia (CBA). It allows users to invest small amounts in ETFs (Exchange-Traded Funds). Since its launch, it has gained popularity among beginners.
In this CommSec Pocket review 2025, we will examine its features, fees, pros, cons, and whether it is still worth using.
What is CommSec Pocket?
CommSec Pocket is a simplified investing app. It is designed for new investors. Users can start with as little as $50. The app offers seven pre-selected ETFs covering different sectors.
Unlike traditional brokers, CommSec Pocket makes investing easy. It has a user-friendly interface. It also provides educational content for beginners.
Key Features of CommSec Pocket in 2025
1. Low Minimum Investment
- Start with just $50.
- No need for large capital.
- Good for beginners.
2. Seven ETF Options
CommSec Pocket offers seven ETFs from BetaShares and iShares:
- Australian Top 200 (IOZ) – Tracks Australia’s top 200 companies.
- Global 100 (IOO) – Invests in global giants like Apple and Amazon.
- Emerging Markets (IEM) – Focuses on growing economies like China and India.
- Sustainability Leaders (ETHI) – Ethical investments in sustainable companies.
- Technology Tigers (ASIA) – Asian tech companies like Alibaba and Tencent.
- Healthcare (IXJ) – Global healthcare and pharmaceutical firms.
- NDQ (NDQ) – US tech stocks like Microsoft and Google.
3. Fractional Shares
- Buy portions of shares instead of full units.
- Helps diversify with small amounts.
4. Auto-Invest Feature
- Set up recurring investments.
- Automatically invest weekly, fortnightly, or monthly.
5. Low Brokerage Fees
- $2 per trade for investments up to $1,000.
- 0.20% fee for trades above $1,000.
- Cheaper than many competitors.
6. Educational Resources
- Guides on ETFs and investing basics.
- Helps new investors learn.
7. Easy-to-Use App
- Simple design.
- Quick transactions.
- Secure login via CommBank app.
Pros of CommSec Pocket (2025)
✅ Affordable – Low fees and minimum investment.
✅ Simple for Beginners – Easy-to-understand interface.
✅ Diverse ETFs – Covers different markets.
✅ Auto-Investing – Helps with disciplined investing.
✅ Fractional Shares – Invest small amounts in big companies.
Cons of CommSec Pocket (2025)
❌ Limited ETF Choices – Only seven options.
❌ No Individual Stocks – Can’t buy single company shares.
❌ No Advanced Tools – Not ideal for experienced traders.
❌ Brokerage Fees Add Up – Frequent trading increases costs.
CommSec Pocket Fees in 2025
| Transaction Type | Fee |
|---|---|
| Trades up to $1,000 | $2 |
| Trades above $1,000 | 0.20% |
| No account-keeping fees | Free |
Example:
- Investing $500 → $2 fee
- Investing $2,000 → $4 fee (0.20% of $2,000)
Is CommSec Pocket Safe?
- Backed by Commonwealth Bank – A trusted Australian bank.
- ASIC-regulated – Follows financial laws.
- Secure login – Uses CommBank app security.
However, all investments carry risk. ETFs can go up or down.
CommSec Pocket vs Competitors (2025)
| Feature | CommSec Pocket | Raiz | Spaceship Voyager | Stake |
|---|---|---|---|---|
| Minimum Investment | $50 | $5 | $1 | $10 |
| Brokerage Fees | $2 (up to $1k) | $4.50/month | $0 (under $5k) | $3 (US trades) |
| ETF Options | 7 | 6 portfolios | 3 portfolios | 6,000+ stocks |
| Auto-Invest | Yes | Yes | Yes | No |
| Fractional Shares | Yes | Yes | Yes | Yes |
Best For:
- CommSec Pocket – Beginners wanting low-cost ETF investing.
- Raiz – Automated round-up investing.
- Spaceship – Thematic portfolios.
- Stake – US stock trading.
Who Should Use CommSec Pocket?
✔ Beginners – Simple and educational.
✔ Passive Investors – Good for long-term ETF investing.
✔ Small Investors – Low minimum deposits.
Not Ideal For:
✖ Active Traders – Limited trading options.
✖ Stock Pickers – No individual shares.
How to Open a CommSec Pocket Account (2025 Steps)
- Download the App – Available on iOS and Android.
- Link CommBank Account – Needed for funding.
- Verify Identity – Requires ID check.
- Deposit Funds – Transfer money from your bank.
- Start Investing – Choose an ETF and invest.
Final Verdict: Is CommSec Pocket Worth It in 2025?
Yes, for beginners. It is one of the easiest ways to start investing in ETFs. The low fees and simple app make it attractive.
However, advanced investors may find it limiting. The lack of stocks and advanced tools may push them to other platforms.
How does commsec pocket app works?
Simply register on the commsec pocket app, create a unique username and password, and then login to the app. The user will then have approximately seven ETF options to choose from.
Users can begin their investing journey with any type of ETF based on the price of ETFs that fits their budget.
After selecting the desired ETFs option, the user can pay their fees and the ETF amount.
As soon as the payment is cleared, the number of ETFs will begin to appear in the commsec pocket app account.
Finally….woohooo…. User is no longer a user… He or she is now a shareholder.
Commsec pocket features
Investing can be done automatically through the app’s direct debit service.
There are over 6 ETFs to choose from as a first investment.
It is a CHESS-sponsored app that provides investors with the highest level of security for their investments.
Brokerage is very low if an investor invests more than $1000 AUD.
Commsec pocket maintenance fees are very low, and in some cases are completely free.
What is Commsec pocket Fees?
Well, commsec pocket fees are very reasonable, so let’s get more specific. If the investment is less than $1000, Commsec Pocket charges only $2AUD per trade or purchase of selected ETFs. Commsec, on the other hand, charges 0.2% of an investor’s investment amount if it exceeds $1000.
If you try to invest in stocks or ETFs through the Commonwealth Bank’s main app, which is commsec only. Investors must pay $10aud per trade and the minimum trade on commsec is $500, making it difficult for new investors to begin their investing journey.
Riaz, Spaceship, and selfweath are some other alternatives on the market. These micro-investing platforms may have low fees, but they are not as secure as commsec pocket, and their features are vastly different. As a result, we believe commsec pocket fees are reasonable.
Is the Commsec Pocket app secure?
Yes, it is 99% secure.
We said it was 99% safe because it is a CHESS-sponsored app, which means that any investor who invested money through this app and purchased any type of ETF is a legal shareholder of that ETF or company.
1% risk is volatility, which means that new investors may panic if the stock market falls, but ups and downs are common in this game. So, if a new investor sells at a loss, it is almost certainly a loss to that person due to a lack of knowledge and experience in the stock market.
In the long run, investing in stocks can be risky, but with these micro investing apps, your money is almost always safe and you can earn good returns over time.
New investors should simply keep investing and not panic when ETF prices rise or fall; instead, stay calm and watch. With the passage of time, you will notice green everywhere and profit. (Please keep in mind that this is just a suggestion based on our experience, not financial advice. Don’t invest if you’re going to rely solely on this information).
What is the most effective Commsec Pocket ETF?
It can be seen clearly above by comparing various types of Commsec pocket ETFs based on their returns and management fees.
However, there is one more factor to consider when determining the best ETF… Confused?
Well, it depends on the individual’s goals and motivations for investing. Time period is also important in determining the best ETF.
For example, someone who has been in ETHI for 5 years will have different returns than someone who has only invested the same amount of money. Compounding is important.
Do the commsec pocket app pay a return on investment?
FAQ
How much should I invest in CommSec pockets ?
The minimum investment is $50 AUD, with fees of $2 AUD per trade under $1000 AUD. To determine how much you should invest in commsec pocket, we recommend reviewing your investing budget to determine how much money you can afford to invest.
How does commsec pocket pay dividends ?
When an ETF’s dividend is due, the dividend is automatically reinvested in your account. Overall, the dividend distribution process on the commsec pocket app is completely automated.
Is CommSec Pocket good for long term investment?
Yes, the commsec pocket app is a good long-term investment because some ETFs pay over 22% per year in return, whereas the average fixed bank deposit is much lower.
Is commsec pocket good ?
Yes, commsec pocket is beneficial because it allows new investors to begin their investing journey with as little as $50, which is a small amount to risk in the stock market.
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Hello, my name is Ashish Deotale and I am the author of this blog. We share information about Stock Prediction Bitcoin Ethereum Crypto news, price analysis on this blog.