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

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.
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, 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 |
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) |
0.15% per month ($5.00 minimum) | 0.15% per month ($5.00 minimum) | 0.15% per month ($5.00 minimum) |
Everyday banking help and support
If you need some help call 0800 269 763.