Your small business banking made simple

Manage business from your mobile with Business Baseline, an all-in-one package designed to make banking easier for small businesses and start-ups.^

All the essentials. Only $10 a month.

Business Baseline starts with these essentials. Then, when you’re ready, add Booster offers to help you grow, expand, or work smarter.^

Online banking

Manage your banking with Internet Banking for Business and the Mobile Business Banking app, and international business with FX Online.

Transaction account

Manage income and expenses with a TotalMoney for Business everyday account. Get up to 50 accounts with unlimited transactions.^

Savings account

Earn interest on money you set aside for tax, new equipment or future purchases with a Business First OnCall account.^

Debit card

Pay for things your business needs, in store and online, with a BNZ Flexi Debit Visa card. We’ll waive the card fee for your first year.^ 

Add on a Booster

Add Booster offers — as many as you need, when you need them.^


Choose from a range of loan and finance options to help grow your business or just keep things running smoothly, including overdrafts for your Business Baseline accounts, or Asset Finance to help buy new or used equipment or vehicles.^


Make purchases, manage cash flow, and save up to $100 in account fees in your first year^ with a BNZ Advantage Visa Business, Business First Lite Visa, or Business First Visa card.

Get paid

Accept payments on the spot and spend less time chasing unpaid invoices. PayClip is a mobile payment solution that lets you accept payments on the go from EFTPOS, Visa, Mastercard, UnionPay and American Express credit and debit cards.^

Manage your banking with just one thumb

You can manage your Business Baseline accounts with the Mobile Business Banking app - so you can check balances, make transfers, search transactions, pay bills, and authorise payments on the go.

Get Business Baseline


Small Business help and support

If you have any questions, call our Small Business specialists on 0800 269 763.

Office hours: Monday to Friday, 7am - 7pm. Weekends, 8am - 2pm.

Small Print

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

Mastercard is a registered trademark.

  1. Service fees apply. Business Baseline monthly fee is subject to change.

  2. Business Baseline and Boosters are for small businesses excluding Partnerships, with an annual turnover of less than $1 million, that are not managed by BNZ Partners. 

  3. Service fees apply.

  4. $10 annual fee waived for the first 12 months when you get Business Baseline. After the first 12 months, you will be charged a $10 annual fee. Fees subject to change.

  5. Account opening and lending criteria, terms and conditions, and fees apply. Business Baseline and Booster fee discounts, or other associated offers are subject to change.

  6. Minimum loan amount of $5000. Asset Finance loan is to be secured by the asset or other current business assets if additional security is required. You will be required to insure the asset. Insurance covers are subject to the terms and conditions and exclusions contained in the relevant policy document and schedule.

  7. Annual fee waived for the first 12 months from when the card is first issued.  After the first 12 months, you will be charged an annual fee. Fees subject to change. 

  8. Subject to merchant services terms criteria and PayClip terms and conditions. Fees subject to change.