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x15ventures (Commonwealth Bank)

Corporate VC

Sydney · Seed–Series A

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Investment thesis

x15ventures operates as CommBank's corporate venture unit, occupying the space between a large corporation and startups. It builds, acquires, and invests in digital ventures that align strategically with CBA's purpose while retaining operational autonomy. It targets startups that would benefit from connections to Australia's leading bank and could improve customers' lives in moments that matter, spanning home, business, and everyday consumer finance. Its activities include building and wholly owning ventures, making early-stage investments, and running its Xccelerate accelerator program. The unit has shifted toward fewer, bigger bets and scaling winners, with successes such as Unloan graduating into a CBA division.

Source: firm website, verified Aug 3, 2026.

Stage
Seed–Series A
HQ
Sydney, AU
Instruments
Equity
Founded
2020
Tracked investments
19
Acquisitions
3

What they invest in

from 13 of 19 portfolio companies

Fintech ×10SaaS ×7Enterprise Software ×4PropTech ×3AgTech ×2Cybersecurity ×2Data & Infrastructure ×2AI & Machine Learning ×1

HQs:Australia×11

Investments · 19 tracked

founders shown can be your intro path
CreditSavvy 2020creditsavvy.com.auacquired by Commonwealth Bank (x15ventures)

x15ventures is a venture builder and investor backed by Commonwealth Bank of Australia that builds, acquires, and invests in early-stage digital startups positioned to benefit from the bank's resources and customer base.

AgTechEnterprise SoftwareFintechAustralia, AU

Differentdifferent.com.auin𝕏

:Different is a property management company that combines technology, including its own app, with hands-on service to give property owners and tenants greater transparency.

PropTechSaaS

Co-investorsAirTree Ventures

Doshiidoshii.comin𝕏

Doshii is a technology platform that integrates hospitality software applications, enabling venues to streamline operations across multiple tools without manual duplication.

Enterprise SoftwareFintechFoodTechRetail TechSaaSAustralia, AU

Sean O'Meara(Founder)in

Co-investorsReinventure Group

Gablegable.aiin

Gable builds a data collaboration platform centered on data contracts, integration and unit testing, diffs, and monitoring to catch data quality issues at upstream sources before they reach analytical environments.

AI & Machine LearningCybersecurityData & InfrastructureDeveloper ToolsSaaS

Daniel Dicker(Founding Engineer)inChad Sanderson(Co-founder & CEO)inJames Frost(Co-founder & CPO)inAdrian(Co-founder & CTO)

Co-investorsAngel Collective Opportunity FundB Capital GroupB4 CapitalCrane Venture PartnersRoosh VenturesDatabricks Ventures+1 more

Home-inhome-in.com.auin

Home-in is a digital platform that assists Australian home buyers through the property purchase process, from home search to settlement, with integrated access to financing and conveyancing services.

FintechLegalTechPropTechAustralia, AU

Stephen Timm(Managing Director)in

Kitheykit.com.auin

Kit is a pocket money app and debit card built by CommBank for children to earn pocket money, save towards goals, and track spending, while parents monitor spending, set limits, and manage multiple children's accounts.

ConsumerEdTechFintechAustralia, AU

Co-investorsKaiser Permanente VenturesNew Leaf Venture PartnersSands Capital Ventures

OwnHomeownhome.comin

OwnHome offers an alternative pathway to homeownership for aspiring first-home buyers in Australia who cannot afford a traditional 20% deposit, removing the requirement for a large upfront payment.

FintechPropTechSydney, AU

Tim Harley(Founder)inJames Bowe(Founder)in

Co-investorsAfterWork VenturesEntrée CapitalSquare Peg CapitalGlobal Founders CapitalPossible Ventures

Pairtreepairtree.coin𝕏

Pairtree is a data integration platform for agriculture that connects farm data from multiple IoT devices, agtech software, and farm management systems into a unified portal.

AgTechData & InfrastructureSaaS

Co-investorsArtesian

Payblepayble.com.au

Payble provides a digital notices platform for Australian councils, replacing printed rate and water bill notices with email delivery integrated into a payment portal.

FintechGovTechSaaSAU, AU

Elliott Donazzan(Founder)in

Co-investorsOIF VenturesOur Innovation Fund

Paytronpaytron.com.au𝕏acquired by OFX Group · May 2023

Paytron (now OFX) offers a global business account platform for cross-border payments, multi-currency accounts in 30+ currencies, corporate cards, and spend and expense management with AI-driven approval and error detection.

Enterprise SoftwareFintechSaaSSydney, AU

Francois Henrion(Co-Founder)inJaco Veldsman(Co-Founder)in

Co-investorsPICUS CAPITALCarthona Capital

Paytron 2022 (exited 2023)paytron.com𝕏acquired by OFX

Paytron (operating as OFX) offers a global business account with multi-currency accounts in 30+ currencies, corporate cards, spend management, and international money transfers for businesses and individuals.

Enterprise SoftwareFintechSaaS

Truyutruyu.com.auin𝕏

Truyu is a digital identity protection tool that alerts Australian users when identity or credit checks occur in their name and helps remediate identity misuse.

CybersecurityDigital HealthFintechAustralia, AU

Melanie Haydenin

Unloanunloan.com.auin

Unloan is a digital home loan provider owned by CommBank that offers variable-rate mortgages directly to Australian customers online.

Fintech

Other

Tracked investments with no reachable website or further public details — typically companies that wound down, renamed, or were absorbed.

BackrCheddarCreditSavvySplashupVontoWaddle

Exits · 3

3 acquisitions

CreditSavvy 2020acq. by Commonwealth Bank (x15ventures)Paytronacq. by OFX GroupPaytron 2022 (exited 2023)acq. by OFX

Frequently asked questions

How many investments has x15ventures (Commonwealth Bank) made?
x15ventures (Commonwealth Bank) has 19 tracked investments, 3 of which have exited.
What stage does x15ventures (Commonwealth Bank) invest at?
x15ventures (Commonwealth Bank) invests at the Seed, Series A stages.
What sectors does x15ventures (Commonwealth Bank) focus on?
x15ventures (Commonwealth Bank) focuses on AgTech, Cybersecurity, Data & Infrastructure, Fintech, PropTech.
Where is x15ventures (Commonwealth Bank) located?
x15ventures (Commonwealth Bank) is headquartered in Sydney, AU.
Who does x15ventures (Commonwealth Bank) co-invest with?
x15ventures (Commonwealth Bank) most often shares deals with AirTree Ventures, B Capital Group, Crane Venture Partners, among 13 tracked co-investors.

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