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 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

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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, 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
(Cheques written, Freepost deposits, branch/staff assisted transactions, and ATM transactions, ATM Point to Point, BNZ Direct Cash and Business Deposit Unit 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)

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