Small business banking

Get started with our Big Small Business Package, including a $0 monthly fee everyday account. Connect with a Small Business Partner for expertise turning your plans into action.

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Big benefits for your small business

Small Business Partners

Whether you’re starting out or scaling up, your local Small Business Partner can help you achieve your business goals, and build a package that fits your needs.

Expert help is also available at least 5 days a week at all BNZ branches nationwide.

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$0 monthly fee accounts

Enjoy no monthly account fees on our small business transaction and savings accounts. Designed to help you manage daily expenses, with options that earn interest on money put aside.^^

More about business accounts

Cash flow solutions

Our flexible lending options can help free up cash flow and keep your business running smoothly.

More about lending options

Online banking made easy

Internet Banking for Business and our Mobile Business Banking app are packed with features to help you manage your business 24/7. Prefer to manage your personal and business banking all in one place? You can do this in the BNZ app.

Day-to-day money management

Keep your small business running smoothly with our everyday accounts and cash flow solutions.

Transaction account

Business First Transact has no monthly or transaction fees. It’s designed to help manage cash flow and everyday banking 24/7, to keep up with your business growth.^^

More about Business First Transact

Savings accounts

Earn interest on money put aside for future business expenses. Access your funds anytime. If you won’t withdraw often, think about a higher interest savings account.

More about savings accounts

Business cards

Choose from our range of debit or credit cards to help pay for supplies, manage your expenses, and even earn rewards.

More about our cards

Growth and business investment

Take the leap to grow your business with our lending solutions. We have options to help with investing in equipment, expanding your premises, or funding long-term growth. 

Term loans

A term loan can give your business the upfront funding it needs for its next step. Choose an interest rate, term, and repayment schedule that aligns with your cash flow.

More about term loans

Equipment and vehicle purchase

Apply for up to 100% funding for new or used equipment, including work vehicles. Claim back 20% of a new asset purchase for your business with the Government’s Investment Boost. 

More about asset finance

Green Business Loan

Use our green loan to help fund renewable energy, zero or low emission transport, agribusiness sustainability projects for your business.

More about Green Business Loans

Give customers more ways to pay

Choose payment methods that work for you and your customers.

Explore our business payment options

In store

Accept a wide range of card, mobile and digital wallet payments through an EFTPOS merchant facility.^

Add Payap to your facility so customers can pay you directly from their bank account without the surcharge.^

On the go

Accept payments to your phone using BNZ Pay, an app-based payment solution that lets you take contactless payments on your Android phone.

BNZ PayClip offers a simple way to accept a range of payment methods, including from digital wallets.

Online

Design and build your own online store with BigCommerce. Connect your store to their payment gateway, allowing you to accept payments securely online.^

Tools and resources

Articles

Our Business Moments articles offer practical tips covering many topics, including starting a business, managing people, marketing your brand, and using data and digital tools.

View all articles

12 months free cybersecrurity

We’re offering free cybersecurity for one year in partnership with CrowdStrike. The software, Falcon Go, can help protect your devices against threats such as viruses, data theft, and cyber attacks.

Apply for the offer

Talk to us

If you’d like more information on our Big Small Business Package, or need help, call us on 0800 269 763 (8:30am - 5pm, Mon-Fri), or visit a branch.

We have Small Business Partners located across New Zealand. You can connect with them over a call, or meet in person at one of our Partners Centres.

Business insurance

We partner with IAG to offer different types of protection and cover that can help you safeguard the business you’ve been working so hard to build.^