Commonwealth Bank offers a GoalSaver savings account for adults and a Youthsaver savings account for minors. The standard interest rate for both accounts is only 0.01 per cent. However, GoalSaver pays bonus interest when customers deposit at least $200 during a calendar month and make no withdrawals during that period. Youthsaver pays bonus interest for one deposit and no withdrawals per month. Commonwealth Bank also offers term deposits, credit cards, personal loans, home loans, insurance, superannuation and financial planning. Commonwealth Bank has operations in Australia, New Zealand, Asia, Europe and North America.