Give your small business the edge

Award-winning products and services designed to help small businesses and start-ups get ahead of the game. Our Small Business Specialists are available 7 days a week. From 7am – 7pm Monday to Friday and 8am – 2pm on weekends.

For small and start-up businesses with a turnover up to $1 million

Let’s talk: 0800 269 763

Simple and smart solutions

Everyday accounts

Different types of accounts with fixed monthly fees, to make it easier to manage cash flow.

Credit cards

Whether you're looking for simplicity, insurance or low interest rates, our cards have your business covered with a range of credit cards for small businesses.

See all credit cards


The simple and easy way to process your payroll in one click, using a secure, cloud-based system.

Find out more


A range of insurance products to help you protect the future of your business. 

See all our products

Kick start your small business

Applying for a small business loan online is the no fuss way to give your business a boost because it only takes a minute.

More about TotalMoney Business term loans
More about Business First term loans

Your chance to connect with other small businesses

It's always good to talk with someone who knows where you're coming from. And that's what BNZ Connect is all about.

BNZ Connect provides the opportunity for businesses to frequently get together. We host informal networking meetings, held in our stores, on the first Tuesday of every month from 5.30pm to 7.30pm.

Businesses get the chance to share stories and experiences and help raise their business profile. You don't even need to be a BNZ customer to attend.

Find a participating store

Take payments with ease

We've got the tools and services to help you receive and manage payments quickly and efficiently.

Foreign exchange services

If your business imports, exports or deals in foreign currencies, FX Online is what you need.  FX Online, in Internet Banking for Business, lets you access live rates from foreign exchange markets, authorise and make international payments, view incoming international payments and much more.1

Thinking about franchising?

Working for yourself doesn't have to mean working by yourself.

If you want to run your own business or feel like a new challenge, owning and operating a franchise can be an exciting and rewarding change of lifestyle and career.

But, before you decide to buy a franchise, you should see if it's the right business solution for you. And when you are ready to take the next step, our franchise specialists will be ready to give you their support and expertise to help you get your franchise up and running and give it the competitive edge.

Call 0800 269 018

Grow your business with The Icehouse

We recognise how important small businesses are to our economy. That's why we've teamed up with The Icehouse, to help businesses grow and prosper.

The Icehouse2 aims to unleash the potential of New Zealand businesses by lifting the capabilities and aspirations of business owners, through nationwide events, workshops and programmes, as well as providing coaching and networking opportunities.

Since starting out in 2001 The Icehouse has worked with over 5,000 businesses and startups. On average, these businesses have grown 2.5 times faster than the NZ norm — meaning they know how to help you get there faster.3

Special discounts for BNZ Small Business customers4

As a BNZ Small Business customer you can get the Icehouse Business of International Quality Barometer (BIQ™) tool (valued at $249) - for free. BIQ is an online tool designed to help businesses identify areas of strength and improvement. The tool gets businesses to answer a set of simple questions which it then uses to produce a tailored report. Contact our Small Business Specialists for more details.

Small Print

  1. To use FX Online you must be registered for Internet Banking for Business and opt into FX Online in Internet Banking for Business. Details of the products available through Foreign Exchange dealing are contained in our Product Disclosure Statement for Market Products, a copy of which can be obtained free of charge by contacting 0800 269 424.
  2. All courses, pricing, and schedules for workshops are managed by The Icehouse Limited (The Icehouse). To see The Icehouse's full terms and conditions visit The Icehouse's products and services are provided by The Icehouse for BNZ customers.  The use of The Icehouse will result in a direct relationship with yourself and The Icehouse.  BNZ will receive a commission from The Icehouse for referring you.  By providing your contact details, you consent to The Icehouse contacting you directly by way of telephone, email or text.  All personal information collected by The Icehouse is for the purpose of an introduction to The Icehouse products and services and will be held by The Icehouse, 117/125 St Georges Bay Rd, Parnell 1052.  You have the right to access, correct and/or delete the information.
  3. Information and statistics based on The Icehouse's research findings, which can be found at
  4. Discounts are subject to change without notice, and are subject to The Icehouse’s terms and conditions.

Account opening and lending criteria, terms and conditions and fees apply.