Small business transaction account

Business First Transact is a transaction account designed to help small businesses manage their cash flow and everyday banking 24/7.

Open a business account

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Business banking made easy

$0 monthly and transaction fees

Business First Transact is our small business account with no monthly account fee, and no fee for electronic or manual transactions. Service and facility fees may apply.^^

Open an account

Accessible 24/7

Manage and access your money 24/7 by using Internet Banking for Business, our Mobile Business Banking app, telephone banking, direct debits, automatic payments, EFTPOS and ATMs.^

More about Internet Banking

Cash flow support

A business overdraft can help at times when expenses are high and cash flow is slow. Your business can overdraw whenever you like, up to your pre-approved limit.

More about overdrafts

Download the Mobile Business Banking app

You can manage your accounts on the go with our Mobile Business Banking app. Transfer money, pay bills, authorise payroll and tax payments, or manage your international payments and foreign exchange.

Business First Transact rates and fees

Rates and fees are subject to change. Service, account, and facility fees may also apply.

*Margin on application subject to BNZ lending criteria. See our Business and Agribusiness account, service and facility fees guide PDF 146KB for details.

Business banking help and support

If you need some help call 0800 269 763.

See all help and support

Account opening and lending criteria, terms and conditions and fees apply. See our Business and Agribusiness account, service and facility fees guide. PDF 146KB

Full details, our Standard Terms and Conditions, and current Disclosure Statement may also be obtained free of charge from a BNZ branch.

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