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

Our transaction and call accounts can help make managing your cash flow and everyday banking simple.

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Credit cards

Whether you’re looking for simplicity, low interest rates, or rewards, our cards have your business covered.

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

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Choose the best protection and cover to help you safeguard the  future of your business.

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Winner of Best Small Business Bank – for the sixth year in a row

From tailored small business advice to easy payment solutions, we’re helping businesses across New Zealand get ahead of the game.

Talk to a Small Business Specialist today 

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

Learn from business experts at our free events

Our nationwide speaker series, BNZ Connect, is your opportunity to learn from business experts, network and grow. BNZ Connect is open to everyone – and it’s free.

BNZ small business toolkit

Starting a business is both exciting and scary. Whether you’re yet to make your first sale or you’re ready to start exporting, our free small business toolkit can help you prepare for what lies ahead. With interactive guides for your business plan, and calculators to keep track of your cashflow, our toolkit can show you how to make sound business decisions, and help you be good with money.

Find out more about our small business tookit

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.^

Take payments with ease

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

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 Icehouse^ 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.^

Special discounts for BNZ Small Business customers^

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

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