x15ventures (Commonwealth Bank)
Corporate VCSydney · Seed–Series 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 13 of 24 portfolio companiesFintech ×9SaaS ×5PropTech ×3AgTech ×2Cybersecurity ×2Data & Infrastructure ×2Consumer ×1Developer Tools ×1
HQs:Australia×11
Investments · 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.
AgTechEnterprise SoftwareFintechAustralia, AU
Different provides residential property management for real estate investment owners, combining a purpose-built app with an office and field team to handle leasing, rent payments, maintenance, inspections, and compliance.
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 provides a point-of-sale integration and ordering platform for restaurants and hospitality venues to manage operations and payments.
Retail TechSaaS
Gable uses static analysis of source code to trace field-level data lineage, mapping how sensitive data flows from consumer-facing apps through backend systems to storage without runtime agents or sampling.
CybersecurityData & InfrastructureDeveloper Tools
Co-investorsAngel Collective Opportunity FundB Capital GroupB4 CapitalCrane Venture PartnersRoosh VenturesEssence Venture Capital
Simplifies the home buying process, helping buyers navigate the journey to settlement with certainty.
Home-in provides conveyancing and legal services for residential property purchases in Australia through a digital platform integrated with banking partners.
FintechLegalTechPropTechAustralia, AU
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
JamesTim
Co-investorsAfterWork VenturesEntrée CapitalSquare Peg CapitalGlobal Founders Capital
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
Citizen-centric revenue optimisation platform improving government revenue and payment experiences.
Co-investorsOIF VenturesOur Innovation Fund
Payble provides a payment experience platform that enables local government councils to customize their payment processes, improving revenue collection timing, cashflow, and administrative efficiency.
FintechGovTechSaaSAU, AU
Payment automation and spend management platform for finance teams; exited 2023.
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 provides identity verification and fraud prevention solutions to help individuals protect against identity theft and unauthorized account creation.
CybersecurityFintechAustralia, AU
Unloan is a digital-only home loan provider offering low-cost mortgages for refinancing or home purchase, with no application, account, or exit fees and a loyalty discount that grows over time.
Fintech
Provided businesses with actionable insights and information; closed 2020-2022.
Invoice lending platform powering CommBank's Stream Working Capital product for small businesses.
Exits · 2
IPOs and acquisitions across the tracked portfolioCreditSavvy 2020acq. by Commonwealth Bank (x15ventures)Paytron 2022 (exited 2023)acq. by OFX
Frequently asked questions
- How many investments has x15ventures (Commonwealth Bank) made?
- x15ventures (Commonwealth Bank) has 24 tracked investments, 2 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 11 tracked co-investors.
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