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Business Banking: Compare business banking products and services

Compare business bank accounts, business investment accounts, business credit cards and payment options, as well as business loans.

Compare business banking solutions

Name Monthly fee Govt. Guarantee Own network ATM fee Card type
Thriday Business Bank Account
Thriday logo
Apple Pay Google Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Earn 3.35% p.a. interest on your bank balance
NAB Business Everyday Account
NAB logo
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Zeller Business Transaction Account
Zeller logo
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
Go to siteMore Info
Prospa Business Account
Prospa logo
Apple Pay Google Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
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Showing 4 of 4 results
1 - 10 of 51
Name Maximum Variable Rate p.a. Standard Variable Rate p.a. Intro/Ongoing Government Guarantee Monthly Max Rate Conditions
Zeller Business Savings Account
Zeller logo
Maximum Variable Rate p.a.
3.00%
Standard Variable Rate p.a.
3.00%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
Go to siteView details
Thriday Business Savings
Thriday logo
Maximum Variable Rate p.a.
3.35%
Standard Variable Rate p.a.
3.35%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
Go to siteView details
Great Southern Bank Business+ Saver
Great Southern Bank logo
Maximum Variable Rate p.a.
4.10%
Standard Variable Rate p.a.
4.10%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
Go to siteView details
AMP Cash Manager
AMP Bank logo
Maximum Variable Rate p.a.
4.80%
Standard Variable Rate p.a.
4.80%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Balances $10,000.01 to $250,000.
View details
ANZ Business Online Saver
ANZ logo
Maximum Variable Rate p.a.
1.25%
Standard Variable Rate p.a.
1.25%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Balances $5,000 and above
View details
The Mutual Bank Cash Management Account
The Mutual Bank logo
Maximum Variable Rate p.a.
0.05%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
ING Business Optimiser
ING logo
Maximum Variable Rate p.a.
1.00%
Standard Variable Rate p.a.
0.60%
Intro/Ongoing
6 months
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $1,000,000
View details
The Mutual Bank Business Maximiser Account
The Mutual Bank logo
Maximum Variable Rate p.a.
1.85%
Standard Variable Rate p.a.
1.85%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Westpac Business Cash Reserve
Westpac logo
Maximum Variable Rate p.a.
0.01%
Standard Variable Rate p.a.
0.01%
Intro/Ongoing
12 months
Government Guarantee
Monthly Max Rate Conditions
  • Balance up to $30,000
View details
The Mutual Bank Internet Saver - Business
The Mutual Bank logo
Maximum Variable Rate p.a.
2.00%
Standard Variable Rate p.a.
2.00%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
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Showing 10 of 51 results
1 - 20 of 29
Name Product AUFSA-TDA 3 Mths p.a. 4 Mths p.a. 5 Mths p.a. 6 Mths p.a. 7 Mths p.a. 12 Mths p.a. 24 Mths p.a.
Judo Bank Business Term Deposit
4.95%
5.10%
4.90%
4.55%
Westpac Business Term Deposit
3.25%
3.35%
3.45%
3.60%
3.60%
4.00%
3.80%
More Info
ME Business Term Deposit
2.05%
4.00%
0.85%
4.00%
1.35%
4.00%
2.00%
More Info
Commonwealth Bank Business Term Deposit
3.45%
3.50%
3.60%
3.70%
3.75%
4.60%
3.95%
More Info
ANZ Business Notice Term Deposit
3.50%
4.10%
3.40%
4.50%
More Info
Suncorp Bank Business Saver Account flexiRates
4.35%
4.70%
4.20%
More Info
ING Business Term Deposit
0.50%
0.50%
1.50%
0.80%
2.00%
2.40%
More Info
Arab Bank Business Fixed Term Deposit
Arab Bank Business Fixed Term Deposit
3.85%
3.60%
3.60%
4.40%
4.10%
3.70%
AMP Business Term Deposit
AMP Business Term Deposit
4.65%
4.55%
4.55%
4.75%
4.85%
4.70%
4.20%
Bank Australia Business Term Deposits
Green Company
Bank Australia Business Term Deposits
4.70%
4.90%
4.70%
4.25%
Bank of Melbourne Business Term Deposit
Bank of Melbourne Business Term Deposit
3.25%
3.35%
3.45%
3.60%
3.60%
4.00%
3.80%
Bank of Sydney Business Term Deposit
Bank of Sydney Business Term Deposit
3.50%
3.90%
3.90%
4.60%
3.90%
4.60%
AMP Business Term Deposit $25,000+
AMP Business Term Deposit $25,000+
4.70%
4.60%
4.60%
4.80%
4.90%
4.75%
4.25%
MyState Bank Business Term Deposit
MyState Bank Business Term Deposit
4.00%
4.20%
4.50%
4.60%
5.00%
4.75%
3.95%
MyState Bank Business Income Term Deposit
MyState Bank Business Income Term Deposit
4.75%
3.95%
People's Choice Credit Union Business Term Investment
People's Choice Credit Union Business Term Investment
5.00%
Hume Bank Business Term Deposit
Hume Bank Business Term Deposit
3.60%
4.75%
4.70%
4.40%
Illawarra Credit Union Business Term Deposit
Illawarra Credit Union Business Term Deposit
3.95%
4.05%
4.05%
4.75%
4.25%
4.65%
The Mutual Bank Farm Management Deposit
The Mutual Bank Farm Management Deposit
3.25%
4.25%
4.40%
4.40%
RACQ Bank Business Investment Account
RACQ Bank Business Investment Account
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
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Name Product AUFSA-MPS Payment types Machine type Least-cost routing Cost
Zeller Terminal
Visa, Mastercard, EFTPOS, American Express, JCB, Apple Pay, Google Pay
Countertop, Portable
No
$259 to own the terminal with no lock-in contract
Zeller payment terminals accept a large range of payment types including EFTPOS, debit, credit and contactless transactions and can be counter-top based or used as a portable terminal.
Zeller Virtual Terminal
Zeller Virtual Terminal
Portable
N/A
Zeller Tap & Pay
Zeller Tap & Pay
American Express, Apple Pay, Google Pay
Portable
N/A
PayNuts Pay Nothing EFTPOS
Visa, Mastercard, EFTPOS, American Express, AliPay, Apple Pay, Google Pay
Countertop, Portable
Yes
N/A
PayNuts offers portable EFTPOS terminals with the option of paying zero transaction fees. You can also pay no terminal hire fees if the minimum monthly transaction volume is met.
Tyro Pro
Visa, Mastercard, EFTPOS, American Express, JCB, Apple Pay, Google Pay, Samsung Pay
Portable
Yes
$29/month terminal rental fee
Featuring 24/7 local support, integration with existing POS systems and an available linked interest-earning transaction account.
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1 - 15 of 52
Name Product AUCCF Bonus points Rewards points per $ spent Complimentary travel insurance Minimum annual revenue Annual fee
American Express Platinum Business Card
350,000
2.25
Yes
$75,000
Annual fee
$1,750
ABN holders w/ $75,000 revenue. Get 350,000 Membership Rewards Bonus Points when you spend $12,000 on eligible purchases in the first 3 months.
ANZ Qantas Business Rewards
130,000
0.75
Yes
$75,000
Annual fee
$375
ABN holders w/ $75k revenue. Get 130,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months. Plus, a fast-track to Qantas Business Rewards Level 2.
American Express Qantas Business Rewards Card
130,000
1.25
Yes
$75,000
Annual fee
$450
(ABN holders w/ $75k revenue). Earn 130,000 bonus Qantas Points when you spend $3,000 in the first 2 months.
American Express Velocity Business Card
150,000
1
Yes
$75,000
Annual fee
$249
ABN holders w/ $75,000 revenue. Get 150,000 bonus Velocity Points when you spend $5,000 in the first 2 months. Plus, a $250 Virgin Australia Business Flyer Travel Bank credit.
Cape Mastercard Interest-Free Days Business Credit Card
N/A
N/A
Yes
$75,000
Annual fee
$383.88
PTY LTD Businesses only. Account fee waived for first month or 20% off annual billing. Plus 0% foreign transaction fees, 0% purchase interest rate, a credit limit up to $500,000 and travel inconvenience cover.
American Express Business Explorer Credit Card
50,000
2
Yes
$75,000
Annual fee
$149
ABN holders w/ $75,000 revenue. Get 50,000 Bonus Membership Rewards Points when you spend $3,000 in the first 3 months and earn up to 2 points on eligible business spending.
More Info
American Express Business Gold Plus Card
150,000
1.5
Yes
$75,000
Annual fee
$395
ABN holders w/ $75,000 revenue. Get 150,000 Membership Rewards Bonus Points when you spend $5,000 within the first 3 months. Plus, earn up to 3 points per $1 spent at Xero, Google Ads, Meta, Amazon Web Services and Dell.
NAB Qantas Business Signature Card
200,000
0.66
No
$75,000
Annual fee
$295
Receive 200,000 bonus Qantas Points when you spend $4,000 on everyday business purchases in the first 60 days. ABN required.
More Info
ANZ Business Black
100,000
1.5
Yes
$75,000
Annual fee
$300
ABN holders w/ $75k revenue. Earn 100,000 bonus ANZ Reward Points when you spend $6,000 on eligible purchases in the first 3 months.
More Info
NAB Low Rate Business Card
N/A
N/A
No
$75,000
Annual fee
$0 first year ($60 after)
ABN w/ $75,000 p.a. revenue. 0% p.a. interest for 12 months on purchases and receive complimentary unauthorised transaction insurance.
More Info
NAB Rewards Business Signature Card
100,000
1.25
No
$75,000
Annual fee
$175
Get 100,000 bonus NAB Rewards points when you spend $4,000 on everyday business purchases in the first 60 days. ABN required.
More Info
CommBank Corporate Low Rate Credit Card
N/A
N/A
No
Annual fee
$40
Designed for businesses looking to pay down large purchases over time with flexible payment options and customised controls.
More Info
Westpac BusinessChoice Rewards Platinum Mastercard
50,000
0.5
Yes
Annual fee
$150
Get 50,000 bonus Qantas Points when you spend $3,000 on eligible purchases within the first 90 days.
More Info
CommBank Corporate Interest Free Days Card
N/A
N/A
No
Annual fee
$40
Get up to 55 days interest-free on purchases and customised account controls to manage your spending limits and expenses.
More Info
CommBank Corporate Charge Card
N/A
N/A
No
Annual fee
$40
Designed for large organisations with significant expenses and reduces processing costs with electronic reporting and management.
More Info
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1 - 15 of 92
Name Product AUFBL Min. Loan Amount Max. Loan Amount Loan Term Upfront Fee Filter Values
Lumi Unsecured Business Loan
$5,000
$500,000
3 months to 5 years
2.5% establishment fee
Apply for up to $500,000 from Lumi and benefit from short loan terms, no early repayment fees and once approved receive your funds in just one business day.
Valiant Finance Business Loan Broker
$5,000
$20,000,000
3 months to 7 years
$0 application fee
A Business Lending Specialist from Valiant Finance can give you access to competitive business loans from over 80 lenders. Loans between $5,000 and $20 million are available. Request a call – your loan can be funded in 1 business day.
ebroker Business Loan
$5,000
$5,000,000
1 month to 30 years
$0 application fee
Small business loans available between $5,000 and $5,000,000. Get access to 70+ non-bank lenders on this independent platform.
ScotPac Boost Business Loan
$10,000
$500,000
3 months to 3 years
$0 application fee
A business loan for any industry. Borrow between $10,000 and $500,000, with approved loans funded within 24 hours. Minimum monthly turnover of $10,000 and 1 year of trading history required.
Good For B Business Loan
$10,000
$250,000
3 months to 2 years
$0 application fee
A variable rate business loan of up to $250,000 for businesses investing in green projects or sustainability initiatives.
More Info
Max Funding Unsecured Business Loan
$3,000
$30,000
1 month to 1 year
$0 application fee
An unsecured business loan from $3,000 that offers convenient pre-approval and no early repayment fees.
More Info
Prospa Business Loan
$5,000
$500,000
3 months to 3 years
3.5% origination fee
Small business loans are available from $5,000 - $500,000 on terms of up to 3 years. At least six months trading history and a monthly turnover from $5,000 is necessary.
OnDeck Business Loans
$10,000
$250,000
6 months to 2 years
3% of loan amount
Apply for up to $250,000 and receive your approved funds in one business day. Minimum annual turnover of $100,000 and 1 year of trading history required.
More Info
Shift Business Overdraft
$10,000
$1,000,000
1 month to 5 years
$0
A business overdraft that links to your business transaction account so you can pay your costs with confidence.
More Info
Swoop Finance Business Loan
$5,000
$20,000,000
3 months to 30 years
Depending on your loan contract
Apply online and borrow between $5,000 and $20,000,000. Available to businesses with a minimum of 6 months operating history and have $20,000 in turnover.
More Info
Moula Business Loan
Moula Business Loan
$10,000
$250,000
1 to 3 years
A loan of up to $250,000 that can be approved and funded within 24 hours. Available to businesses with 6+ months operating history and $5,000+ monthly sales.
Westpac Business Loan
$20,000
No maximum amount
1 to 30 years
Subject to Negotiation
Purchase a new vehicle, equipment or support your cash flow with a business finance solution from Westpac.
More Info
Shift Business Term Loan
Shift Business Term Loan
$25,000
$1,000,000
1 to 5 years
3%
A term loan for any business purpose that allows you to borrow up to $1,000,000 secured, or $250,000 unsecured.
Banjo Business Loans
$20,000
$1,000,000
6 months to 3 years
up to 3% for the 36 month loan term
Available for businesses that are at least two years old and has an annual turnover of $500,000.
More Info
Zip Business Loan
$10,000
$500,000
6 months to 5 years
No establishment fee
Borrow up to $500,000 with loan terms of up to 5 years. Flexible weekly, fortnightly and monthly repayment options available with no early repayment fees.
More Info
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Learn more about business savings account

A business savings account allows you to earn interest on your business funds while you're not using them. These accounts are a convenient way to earn passive income and can be linked to your business transaction account for easy access whenever you need it.

Compare business savings accounts

Read this guide to find out what to look for when choosing a business savings account and compare business savings accounts in Australia to find the best one for your needs.

Learn more about business transaction accounts

If your business is registered as a partnership, company or trust in Australia, you’re required to open a business transaction account. These are accounts designed specifically with businesses in mind and can be used to pay for your day-to-day business expenses, pay invoices and wages and receive payments from clients and customers.

Reducing business banking costs

Keeping costs to a minimum is a crucial aspect of budgeting effectively as a small business owner. Paying unnecessary banking fees can eat into your business profits but choosing the right transaction and savings accounts can help you minimise or avoid these fees entirely.

How to avoid business banking fees

Read this guide to find out how you can cut down on business costs by choosing the right bank account. Learn about the different types of banking fees you're likely to encounter and how you can avoid them.

Are you looking for other business banking solutions?

Watch: 5 winning strategies to improve small business cash flow

Frequently Asked Questions


Alison Banney's headshot
Written by

Editor

Alison Banney is the money editorial manager at Finder. She covers all areas of personal finance, and her areas of expertise are superannuation, banking and saving. She has written about finance for 10 years, having previously worked at Westpac and written for several other major banks and super funds. See full bio

Alison's expertise
Alison has written 645 Finder guides across topics including:
  • Superannuation
  • Savings accounts, bank accounts and term deposits
  • Budgeting and money-saving hacks
  • Managing the cost of living

Read more on this topic

  • AirWallex Business Saver

    Read Finder's review of the AirWallex Business Saver. Learn more about this savings account for seniors.

  • Great Southern Bank Business+ Saver

    Read Finder's review of the Great Southern Bank Business+ Saver. Learn more about this savings account for seniors.

  • Macquarie Business Savings Account

    Read Finder's review of the Macquarie Business Savings Account. See if this product is right for you.

  • Auswide Bank Business Access Account

    The Auswide Bank Business Access Account is a business transaction account that lets you earn interest. This account has no minimum balance requirement and a low monthly fee.

  • Suncorp Business Premium Account

    The Suncorp Premium Business Bank Account is a business bank account with no monthly fees, unlimited fee-free transactions and a linked Visa Debit Card.

  • Prospa Business Account

    This is a business bank account with no monthly fees or minimum balance requirements, and a complimentary Prospa Visa Business Debit Card.

  • Great Southern Bank Everyday Business Account

    The Great Southern Bank Everyday Business Account is a convenient transaction account for your day-to-day business spending with no account-keeping fees.

  • Business term deposit rates

    Find the best business term deposit rates to help improve your bottom line.

  • Business bank accounts with no fees

    If business banking fees are having a negative impact on your business’s bottom line, we have everything you need to know to avoid those unnecessary costs.

  • Business savings accounts

    A business HISA is a good alternative for a business owner who is not interested in aggressively investing their excess business funds. These allow access to the money when needed, while it works at gaining interest when not.

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4 Responses

    Default Gravatar
    vandaJune 13, 2018

    which bank provide cheapest and best and fast eftpos mobile terminal for small business

      Default Gravatar
      NikkiJune 15, 2018

      Hi Vanda,

      Thanks for your message and for visiting Finder.

      You may refer to our guide on how to set up an EFTPOS machine if you are looking for an EFTPOS terminal provider.

      Hope this helps. Feel free to message us back should you further questions.

      Cheers,
      Nikki

    Default Gravatar
    ellieMarch 22, 2018

    i need to know which australian bank offers the lowest foreign transaction fees.

    please let me know

    thank you

    ellie

      AvatarFinder
      JeniMarch 22, 2018Finder

      Hi Ellie,

      Thank you for getting in touch with Finder.

      You can check some Australian banks offering debit cards with low foreign transaction fees. On the page is a comparison table you can use to see which account suits you. When you are ready, you may then click on the “Go to site” button and you will be redirected to the bank’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

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