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Based on my personal experience using CommBank and reviewing their publicly available fee structures, I can say that deposit and withdrawal costs do exist and should be weighed carefully if you’re considering them for investment or trading-related transfers. For local deposits, especially when using CommBank ATMs within Australia, there is no charge for cash or check deposits. This is a positive aspect for managing domestic funds. However, once you move to international transfers, the fees start to add up: international deposits and cross-border transfers typically incur charges between $15 and $25 per transaction, which can make a significant difference if you deposit regularly from overseas or withdraw internationally. As for ATM withdrawals, using a CommBank card at their Australian ATMs is generally free for Australian dollar withdrawals. However, if you withdraw cash overseas, you should expect a fee of $5 per transaction, on top of a currency conversion charge ranging from 1% to 3%. This can make international trading or frequent large cash withdrawals more expensive, and for me, it’s essential to include these costs in any earnings calculations because they reduce net gains. In summary, while local deposits and withdrawals are mostly cost-free, international services attract noticeable fees. As always, I recommend confirming the latest fee schedule directly with CommBank before making substantial transfers, because even small percentage-based costs can add up in active trading or cross-border investment scenarios.