Business First Transact account

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 or account fee.

Pay as you go

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

$10 plan

$10 monthly base or account fee includes your first 40 transactions. After that, pay the account transaction fees for each transaction.

$20 plan

$20 monthly base or account fee includes your first 80 transactions. After that, pay account transaction 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, 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	loading	loading	loading
Overdraft Base Rates	loading	loading	loading

* 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 146kb for details.

Fee type	Pay As You Go Plan	$10 Plan	$20 Plan
Monthly base or account fee^	No fee Service and facility fees may apply	$10.00 Service and facility fees may apply	$20.00 Service and facility fees may apply
No transaction fees apply for the following	Not Applicable	First 40 transactions each month Service and facility fees may apply	First 80 transactions each month Service and facility fees may apply
Internet Banking for Business and Mobile Business Banking transaction fee (Funds transfers, outward bill payments and direct credit transactions initiated using Internet Banking for Business or Mobile Business Banking app.)	15 cents Service fees, account and facility fees may also apply	15 cents Service fees, account and facility fees may also apply	15 cents Service fees, account and facility fees may also apply
Electronic transaction fee (Electronic transactions include bill payments and direct credits into your account, and transactions made from or received to your account using automatic payments, direct debits, same-day cleared payments and/or EFTPOS transactions.)	35 cents Service fees, account and facility fees may also apply	35 cents Service fees, account and facility fees may also apply	35 cents Service fees, account and facility fees may also apply
Manual Transactions (Branch/staff assisted transactions, and ATM transactions, and BNZ Direct Cash deposits.)	65 cents Service and facility fees may apply	65 cents Service and facility fees may apply	65 cents Service and facility 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)

Everyday banking help and support

If you need some help call 0800 269 763.