Transaction account
Business First Transact is a transaction account for small businesses with no monthly or transaction fees. It’s designed to help manage cash flow and everyday banking 24/7. ^^
Small business banking
Get big business benefits for your small business with our Big Small Business Package.
Select from a range of tools, products and services including expert advice to help you run and grow your business.
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Big Small Business Package
More about our transaction account
Local Small Business Partners
Whether you’re starting out or scaling up, your local Small Business Partner can help you achieve your business goals.
Call us to book an appointment.
Free meeting spaces
Our Partners Centres are a free space to host meetings or hold special events.
12 months free cybersecurity with CrowdStrike
We’re offering small businesses a chance to get free cybersecurity for one year in partnership with CrowdStrike. The cyber protection software, Falcon Go, is for users of all skill levels. It can help protect your devices against threats such as viruses, data theft, and cyberattacks.
Give customers more ways to pay
Grow your business and increase sales by giving customers more ways to pay you.
Payment terminals
Accept a wide range of card and mobile wallet payments through EFTPOS or PayClip merchant facilities.
Payments to your phone
Accept payments on your Android device using BNZ Pay, an app-based payment solution that lets you take contactless payments on the go.
Online stores
We’ve partnered with BigCommerce, an all-in-one ecommerce platform, to help you design and build your own online store. Seamlessly integrate your store with our secure payment gateway and merchant facility, to take payments online.
Flexible lending for merchants
We’ve designed the Merchant Flexi Loan to help small business merchants. Repayments are flexible and adjust with your business sales. This gives you more control over your cash flow. You may be able to borrow up to $50,000.
Online workshops for business growth
We’re offering businesses free access to online workshops, led by our partners at D/srupt. The BNZ Growth Academy can give you the skills and resources to help develop your business’s full potential. Dates and availability vary.
Business calculators, plans & templates
Calculators
Plans and templates
- Small business plan template (PDF 596KB)
- Funding plan template (PDF 36KB)
- Financial feasibility plan template (PDF 36KB)
- Marketing strategy plan template (PDF 37KB)
Articles and guides
Starting out
There are lots of things to think about when you start a new business. Here are some tips and resources to help you set off on the right foot.
Finance and tax
Tips on managing your business finances, from improving cash flow to understanding your tax obligations.
Marketing
Attract new customers, understand customer behaviour, and discover best practice business marketing strategies.
Technology
Understanding technology, how your business could benefit from using it, and staying in touch with new and emerging trends.
International
Tips and guides to expanding your business overseas and understanding international markets.
Staff and people
Tools and guides to finding the right people, developing their skills and building staff and customer loyalty.
Get in touch
Send us a message
Leave us your details and we’ll get in touch to talk to you about your options.
Call us
Our business specialists are available from 8:30am - 5pm, Mon-Fri.
Visit a branch
Find your local branch and arrange to speak to us.
Co-working space for businesses
Our free to use, business co-working space, community101 in Christchurch, has hot desks, meeting rooms, WiFi and other facilities that are available for everyone.
Account opening and lending criteria, terms and conditions and fees apply.
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