x15ventures (Commonwealth Bank)
Corporate VCSydney ยท SeedโSeries A
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.
What they invest in
from 14 of 24 portfolio companiesFintech ร10SaaS ร8Enterprise Software ร4PropTech ร3AgTech ร2Cybersecurity ร2Data & Infrastructure ร2AI & Machine Learning ร1
HQs:Australiaร12
Investments ยท 24 tracked
founders shown can be your intro pathDigital platform helping first-time owners set up a business in Australia; closed 2020-2022.
Deal discovery and cashback platform for young Australians; closed 2021-2023.
Helped Australians understand credit and manage their financial wellbeing.
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
: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
Doshii is a platform that connects hospitality venues' point-of-sale (POS) systems with third-party apps such as ordering, delivery, and payment services.
FintechFoodTechSaaS
Co-investorsReinventure Group
Doshii is a technology platform that integrates hospitality software applications, enabling venues to streamline operations across multiple tools without manual duplication.
Enterprise SoftwareRetail TechSaaSAustralia, AU
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
Simplifies the home buying process, helping buyers navigate the journey to settlement with certainty.
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
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 VenturesEntrรฉe CapitalSquare Peg CapitalGlobal Founders CapitalPossible Ventures
Centralises 100+ sources of agricultural data into a single platform for farmers.
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
Citizen-centric revenue optimisation platform improving government revenue and payment experiences.
Co-investorsOIF VenturesOur Innovation Fund
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
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 CAPITAL
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
AI-driven partnerships platform focused on post-transaction experiences for high-intent shoppers; closed 2025.
Digital identity protection tool alerting consumers when their identity is used or exposed online (in pilot).
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
Provided businesses with actionable insights and information; closed 2020-2022.
Invoice lending platform powering CommBank's Stream Working Capital product for small businesses.
Exits ยท 3
IPOs and acquisitions across the tracked portfolioCreditSavvy 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 24 tracked investments, 3 of which have exited via acquisition or IPO.
- 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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