Business First Transact

An everyday business transaction account where you can choose your own pricing plan.

  • A choice of pricing plans to keep fees down
  • Add an overdraft for financial flexibility
  • Convenient around-the-clock access to your money

More detail

Keep costs down by choosing the most beneficial fee plan

With Business First Transact you can choose a pricing plan that’s based on the number of transactions you’d like included in your monthly1 base fee.

  • Pay as you go: $3.50 monthly base fee, then pay the normal account fees for each transaction
  • $10 plan: $10 monthly base includes your first 40 transactions. After that, pay the normal account fees for each transaction
  • $20 plan: $20 monthly base fee includes your first 80 transactions. After that, pay the normal account fees for each transaction

24-hour access for easy business money management

You can use internet banking, PC Banking, telephone banking, cheques, direct debits, automatic payments, EFTPOS, and ATMs.

A handy business overdraft2 to help with cash flow fluctuations

Your business can overdraw whenever you like, up to your pre-approved limit.

 Business First Transact Accounts - Interest Rates and Fees
  Pay As You Go Plan $10 Plan $20 Plan

Credit Balance Interest Rates
Current % p.a

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Monthly1 base or account management fee

 $3.50 $10.00 $20.00
No Account Fees apply for the following Not Applicable

First 40 transactions each month. 

First five Text Alerts each month1.

Service Fees may apply.

First 80 transactions each month. 

First five Text Alerts each month1.

Service Fees may apply.
BNZ Internet Banking* and Internet Banking for Business* 15 Cents. Service Fees may apply. 15 Cents. Service Fees may apply. 15 Cents. Service Fees may apply.

Electronic Transactions:
(EFTPOS, Bill Payments, Direct Credits, Direct Debits, Telephone Banking* , self service transactions and Automatic Payments4)

 35 cents. Service Fees may apply 35 cents. Service Fees may apply 35 cents. Service Fees may apply
Manual Transactions :
(Cheques written5, Freepost deposits, Store/staff assisted transactions, Express Deposit Tower deposits and ATM* (including outward and inward payments))		 65 cents. Service Fees may apply 65 cents. Service Fees may apply 65 cents. Service Fees may apply
Overdraft facility fee3 0.15% per month ($5.00 minimum) 0.15% per month ($5.00 minimum) 0.15% per month ($5.00 minimum)
Unarranged overdraft fee3 0.15% per month ($5.00 minimum) 0.15% per month ($5.00 minimum) 0.15% per month ($5.00 minimum)

Need some help?

Enquire onlineFind a store 0800 269 763

Small print

  1. A 'month' refers to the period from the last business day of the previous calendar month to the second to last business day of the current month. Account fees are subject to change. Service fees apply
  2. Our lending criteria, overdraft establishment fee and an overdraft facility fee apply.
  3. Calculated on the overdraft limit or the actual overdraft utilised, whichever is greater. Debit interest charges also apply, minimum charge $1.00.
  4. Payments into your account from other parties by way of BNZ Internet Banking, Automatic Payment or ATM are classed as Electronic Transactions.
  5. Government stamp duty of 5 cents per cheque will be charged to the account when the cheque book has been issued.

* Although the Telephone and Internet Banking and ATM services will normally be available 24 hours a day, maintenance of the system is required from time to time. Accordingly, certain options may not be available for an average of three hours a week. This maintenance, however, will be carried out at times which will cause the least disruption to you.

Account opening criteria apply. Full details, terms and conditions and disclosure statement may also be obtained free of charge from a BNZ store.