Business First Transact

Choose a pricing plan that fits you best, plus have the flexibility to add an overdraft if you want to.

Choose the most beneficial plan

Choose a pricing plan that’s based on the number of transactions you’d like included in your monthly^ base fee.

Pay as you go

No monthly base fee. Pay the normal account fees for each transaction.

$10 plan

$10 monthly base fee 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.

Manage your money and cash flow

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24-hour access

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

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Business overdraft available^

A business overdraft could help with cash flow fluctuations. Your business can overdraw whenever you like, up to your pre-approved limit.

Business First Transact rates and fees^

Rate type Pay As You Go Plan $10 Plan $20 Plan

Credit Balance Interest Rates

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Overdraft Base Rates

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* Margin on application subject to BNZ lending criteria. If you go into unarranged overdraft (including if you go over your arranged overdraft limit), interest at the Bank’s Business Overdraft Base Rate plus a margin of 10.00% p.a. (unless we advise you otherwise) also applies to the debit balance. Unarranged Overdraft Fees also apply, please see our Business and Agribusiness account, service and facility fees guide pdf 178kb for details.

Fee type Pay As You Go Plan $10 Plan $20 Plan

Monthly base or account management fee^ 

No fee $10.00 $20.00
No transaction fees apply for the following Not Applicable

First 40 transactions each month. 

 Service Fees may apply.

First 80 transactions each month. 

 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 Payments^

35 cents. Service Fees may apply 35 cents. Service Fees may apply 35 cents. Service Fees may apply
Manual Transactions
Cheques written, Freepost deposits, branch/staff assisted transactions, Express 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 fee^
0.15% per month ($5.00 minimum) 0.15% per month ($5.00 minimum) 0.15% per month ($5.00 minimum)

Unarranged overdraft fee^
Grace period applies^

0.15% per month ($5.00 minimum) 0.15% per month ($5.00 minimum) 0.15% per month ($5.00 minimum)