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
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 50
Product AUFSA Finder Score Maximum Variable Rate p.a. Base interest rate Intro/Ongoing Government Guarantee Monthly Max Rate Conditions
Zeller logo
Finder score
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
Thriday logo
Finder score
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
Great Southern Bank logo
Finder score
Maximum Variable Rate p.a.
3.85%
Standard Variable Rate p.a.
3.85%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
Get a competitive interest rate on your business savings with no fees, plus easy access from a linked transaction account.
View details
AMP Bank logo
Finder score
Maximum Variable Rate p.a.
4.75%
Standard Variable Rate p.a.
4.75%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Balances $10,000.01 to $250,000.
View details
ANZ logo
Finder score
Maximum Variable Rate p.a.
1.15%
Standard Variable Rate p.a.
1.15%
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
Finder score
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 logo
Finder score
Maximum Variable Rate p.a.
0.75%
Standard Variable Rate p.a.
0.35%
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
Finder score
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 logo
Finder score
Maximum Variable Rate p.a.
1.05%
Standard Variable Rate p.a.
1.05%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Balance up to $30,000
View details
The Mutual Bank Internet Saver - Business
The Mutual Bank logo
Finder score
Maximum Variable Rate p.a.
1.75%
Standard Variable Rate p.a.
1.75%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
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How the Finder Score helps you find a better savings account

The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.

We score each savings account in our database of hundreds based on a data-driven methodology with 2 main criteria: Does the account offer a high interest rate? And is it easy for savers to actually earn that rate?

Read the full Finder Score breakdown

1 - 20 of 29
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.
4.75%
4.90%
4.75%
4.60%
Westpac logo
3.00%
3.15%
3.25%
3.40%
3.50%
4.00%
3.80%
More Info
ME logo
2.05%
4.00%
0.85%
4.00%
1.35%
4.00%
2.00%
More Info
Commonwealth Bank logo
3.00%
3.15%
3.30%
3.40%
3.50%
4.20%
3.75%
More Info
ANZ logo
3.35%
3.40%
4.00%
More Info
Suncorp Bank logo
4.25%
4.35%
4.00%
More Info
ING logo
0.50%
0.50%
1.50%
0.80%
2.00%
2.40%
More Info
Arab Bank Business Fixed Term Deposit
Arab Bank Australia logo
4.15%
4.00%
4.00%
4.70%
4.20%
3.75%
AMP Business Term Deposit
AMP Bank logo
4.55%
4.40%
4.40%
4.45%
4.30%
4.30%
3.95%
Bank Australia Business Term Deposits
Green Company
Bank Australia logo
4.60%
4.70%
4.45%
4.25%
Bank of Melbourne Business Term Deposit
Bank of Melbourne logo
3.00%
3.15%
3.25%
3.40%
3.50%
4.00%
3.30%
Bank of Sydney Business Term Deposit
Bank of Sydney logo
3.25%
3.50%
3.50%
4.40%
3.70%
4.40%
AMP Business Term Deposit $25,000+
AMP Bank logo
4.60%
4.45%
4.45%
4.50%
4.35%
4.35%
4.00%
MyState Bank Business Term Deposit
MyState Bank logo
4.00%
4.20%
4.60%
4.75%
4.60%
4.55%
3.95%
MyState Bank Business Income Term Deposit
MyState Bank logo
4.55%
3.95%
People's Choice Credit Union Business Term Investment
People's Choice Credit Union logo
5.00%
Hume Bank Business Term Deposit
Hume Bank logo
3.60%
4.50%
4.40%
4.25%
Illawarra Credit Union Business Term Deposit
Illawarra Credit Union logo
4.25%
4.25%
4.25%
4.40%
4.40%
4.40%
The Mutual Bank Farm Management Deposit
The Mutual Bank logo
3.25%
4.25%
4.40%
4.40%
RACQ Bank Business Investment Account
RACQ Bank logo
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
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Product AUFSA-MPS Payment types Machine type Least-cost routing Cost
Zeller  logo
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  logo
Visa, Mastercard, American Express, JCB
Portable
No
1.75% + $0.25c transaction fee incl. GST for all cards
Zeller Tap & Pay
Zeller  logo
Visa, Mastercard, American Express, JCB, Apple Pay, Google Pay
Portable
No
1.4% transaction fee incl. GST flat-rate for all cards
PayNuts logo
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 logo
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.
More Info
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1 - 15 of 53
Product AUCCF Bonus points Rewards points per $ spent Complimentary travel insurance Minimum annual revenue Annual fee
ANZ Business Black image
150,000
1.5
Yes
$75,000
$375
ABN holders w/ $75k revenue. Earn up to 150,000 extra ANZ Reward Points when you meet the spend requirements (worth over $500 digital gift card) and 24/7 access to ANZ Global Business Concierge.
American Express Platinum Business Card image
250,000
2.25
Yes
$75,000
$875 first year ($1,750 after)
Limited time offer: Get 250,000 Membership Rewards Bonus Points when you spend $12,000 on eligible purchases in the first 3 months. Plus, a first-year annual fee discount. ABN holders w/ $75,000 revenue..
American Express Qantas Business Rewards Card image
170,000
1.25
Yes
$75,000
$450
Limited time offer: Earn 170,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months. ABN holders w/ $75k revenue.
ANZ Qantas Business Rewards image
150,000
0.75
Yes
$75,000
$375
ABN holders w/ $75k revenue. Get up to 150,000 bonus Qantas Points when you meet the spend requirements, uncapped Qantas Points and complimentary travel insurance. Plus, a fast-track to Qantas Business Rewards Level 2.
More Info
American Express Velocity Business Card image
170,000
1
Yes
$75,000
$249
Limited time offer: New American Express card members can get 170,000 bonus Velocity Points when you spend $5,000 in the first 2 months. ABN holders w/ $75,000 revenue.
NAB Qantas Business Signature Card image
200,000
0.66
No
$75,000
$295
ABN w/ $75,000 p.a. revenue. Receive 200,000 bonus Qantas Points when you spend $4,000 on everyday business purchases in the first 60 days.
More Info
Cape Mastercard Interest-Free Days Business Credit Card image
N/A
N/A
Yes
$75,000
$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 Gold Plus Card image
200,000
1.5
Yes
$75,000
$395
ABN holders w/ $75,000 revenue. New American Express card members can get 200,000 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. Ends 25 March 2025.
American Express Business Explorer Credit Card image
50,000
2
Yes
$75,000
$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
NAB Low Rate Business Card image
N/A
N/A
No
$75,000
$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 image
200,000
1.25
No
$75,000
$175
Get 200,000 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 image
N/A
N/A
No
$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 image
50,000
0.5
Yes
$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 image
N/A
N/A
No
$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 image
N/A
N/A
No
$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
Product AUFBL Min. Loan Amount Max. Loan Amount Loan Term Upfront Fee Filter Values
Lumi logo
$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.
Great Southern Bank logo
$10,000
$250,000
1 to 7 years
$595
Special Offer: Pay $0 establishment fee when you apply for a loan before 31st March 2025 and draw down the funds within 90 days.
Valiant Finance logo
$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 logo
$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 logo
$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 logo
$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
MaxFunding logo
$5,000
$50,000
1 month to 1 year
$0 application fee
An unsecured business loan from $5,000 that offers convenient pre-approval and no early repayment fees.
More Info
Prospa logo
$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.
On Deck Capital, Inc logo
$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 logo
$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 logo
$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 logo
$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 logo
$10,000
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 logo
$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 Loans logo
$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
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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

Editorial Manager, Money

Alison is an editor at Finder and a personal finance journalist with over 10 years of experience, having contributed to major financial institutions and publications such as Westpac, Money Magazine, and Yahoo Finance. She is frequently quoted in media outlets like SmartCompany and SBS, offering expert insights on superannuation and money management. Alison holds a Bachelor of Communications in Public Relations and Journalism from the University of Newcastle, and has earned three ASIC RG146 certifications in superannuation, securities and managed investments and general financial advice, ensuring her expertise is fully aligned with ASIC standards. See full bio

Alison's expertise
Alison has written 631 Finder guides across topics including:
  • Superannuation
  • Savings accounts, bank accounts and term deposits
  • Budgeting and money-saving hacks
  • Managing the cost of living

Ask a question

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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

Read more on Bank Accounts

  • Airwallex Business Account – Yield

    The Airwallex Business account is a product designed for global payments that allows you to earn a return on your cash too via the Yield feature.

  • 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.

  • Business bank accounts in Australia

    If you're looking for the best business bank account, the first step is to compare your options. Take a look at a range of business bank accounts here to suit your small business and help with cashflow.

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