Business banking

We've got business banking accounts, products, services, specialists and support to help you run or grow your business. This is Kiwibank Business Banking.

Talk to us

Find a business banking specialist

Find a business banking specialist in your area. Request a call back, or call them directly.

Find a business banker

Call us

Call our business banking team on 0800 601 601, or +64 4 803 1646 if you’re calling from overseas. Mon – Fri: 8am – 5pm.

Helping you achieve your business goals

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Fixed term

Special

Term Deposit (1 year)

Fixed returns on money locked in for a set period.

Earn fixed returns from your investment
Interest rate is fixed for 1 year
No set up or monthly fees.

Interest rates are subject to change.

Find out more

Everyday

Business Edge

An account to cover your everyday business banking needs.

Monthly account fee.

$5 monthly account fee
Free electronic transactions (excludes bulk payments)
First 25 in-branch deposits free each month
Choose to get a Visa Debit or EFTPOS card.

Find out more

Overdraft

Business overdraft

A flexible financial buffer for your business.

Help smooth out cashflow fluctuations
Variable interest rate
Lending is unsecured
No set repayments
Pay it off and re-use it whenever you like
If you're a Xero or MYOB AccountRight Live customer, you may be able to apply online.

Find out more

Business loan

Fixed rate loan

Manage your cash flow with a business term loan.

Lock in an interest rate from six months to five years
If interest rates rise during the term of your fixed loan, you won't be affected
Secured against business or personal assets
If you're a Xero or MYOB AccountRight Live customer, you may be able to apply online and get a quick decision within minutes.

Find out more

Business loan

Variable rate loan

Manage your cash flow with a term business loan.

Flexibility to make extra payments or increase your regular payments
If rates fall, you'll pay less interest
Secured against business or personal assets
Rates will depend on the security you can offer
If you're a Xero or MYOB AccountRight Live customer, you may be able to apply online and get a quick decision within minutes.

Find out more

Business loan

Revolving credit loan

Great if you need flexibility, with no set repayments.

No fixed repayment periods
Make payments as and when suits your business
Revolving loan facility
Secured against business or personal assets
Rates will depend on the security you can offer.

Find out more

Business loan

Asset finance

Borrow to fund large assets for your business.

Loans secured against the asset you purchase
Tailored repayments to suit your circumstances and cashflow, with flexible repayment terms from 12 months to five years
You'll have ownership and use of the asset while you're paying it off
Facilities to manage fleet and multiple asset requirements.

Find out more

Credit card

Business Low Rate Visa

One of the most competitive credit card rates for businesses.

Take control of business expenses by setting different spend limits for each cardholder
See who's spending what, with clear breakdowns of cardholder spend
Better manage cash flow with up to 55 interest free days on purchases
Protect your business with Corporate Liability Waiver Insurance.

Other fees and interest apply. Interest rates are subject to change.

Find out more

Fixed term

Term Deposit (180 days)

Fixed returns on money locked in for a set period.

Earn fixed returns from your investment
Interest rate is fixed for 180 days
No set up or monthly fees.

Interest rates are subject to change.

Find out more

Finance

Property finance

Funding for property developers or investors.

Suitable if you're not an owner-occupier
Property development funding of more than $2 million
Property investment funding of more than $2 million.

Find out more

Savings

Notice Saver (90 days)

Competitive rate of return and ability to add money when you like.

Make as many withdrawals as you like, just give 90 days notice each time
Have the returns compound or paid out to another account
Notice Saver is a PIE investment.

Rates of return are subject to change.

Find out more

Savings

Business Online Call

Earn interest and have immediate access to your money.

Earn bonus interest when you maintain a minimum balance and make no withdrawals (except permitted withdrawals) in a month
Deposit or withdraw money at any time
No monthly account management fee.

Interest rates are subject to change.

Find out more

Savings

Business Performer

A savings account with no monthly account management fees.

Interest calculated daily and paid monthly
25 free electronic deposits and 25 free branch deposits monthly
No card access, so less temptation to dip into your savings.

Interest rates are subject to change.

Find out more

Savings

Notice Saver (32 days)

Competitive rate of return and ability to add money when you like.

Make as many withdrawals as you like, just give 32 days advance notice each time
Have the returns compound or paid out to another account
Notice Saver is a PIE investment.

Rates of return are subject to change.

Find out more

Getting paid

Kiwibank QuickPay® mobile payment app

Accept card payments through your smartphone.

Use a secure smartphone app in conjunction with a Kiwibank QuickPay® device
Take EFTPOS, Visa or Mastercard® payments
Accept contactless payments
Issue paperless receipts or invoices
View and track payments in real time.

Find out more Enquire online

Getting paid

EFTPOS
terminals

Set up an EFTPOS terminal for your business.

Choose to accept EFTPOS, Visa and Mastercard® payments
Customise your EFTPOS terminal to suit your business' needs
Opt for contactless payments
Provides a secure, convenient way to accept payments.

Find out more Enquire online

Getting paid

Fetch™
Web payments

Get paid online with a secure payment page on your website.

Accept card payments via a secure payment page on your website
Take Visa or Mastercard® payments
Have your own online secure payment page
Easy to integrate into your shopping cart if you have one.

Find out more Enquire online

Getting paid

Direct
debit services

Put your business in control of collecting regular payments from customers.

Control the date and amount of payments, reduce late payments and improve cashflow
Ideal for businesses that process a minimum of 250 regular customer payments a month
Manage direct debit transactions through internet banking.

Find out more

Making payments

General
payments

Make one-off or recurring payments to your suppliers.

Pay your bills through internet banking or the mobile app
Choose to pay your bills straight away, or set up a payment for a future date
Create or change one-off or recurring payments
Save details of the person or company you're paying to your payee list, so you can use them again.

Find out more

Making payments

Bulk
payments

Create bulk or batch payments to your suppliers.

Make multiple payments at once
Great for paying salaries, direct credits, or any time you need to pay a group of people at once
Set up multiple payments in internet banking for business, or import files from your accounting software to enable batch uploads
Save multiple payment templates to use again, e.g. for payroll.

Find out more

Making payments

Same-day cleared payments

Useful for making urgent payments to someone at another bank.

Funds arrive within 60 minutes of leaving your account
An email notification can be requested to be sent to the recipient by their bank when funds are cleared and are available to be used.

Find out more

Why switch to Kiwibank?

1

Tahi

Banking Kiwi

Just like you, we’re a New Zealand business. This is home for us and we’re here for the long haul.
2

Rua

Backing Kiwi

As a Kiwi bank, we’re focused on backing local and supporting Kiwi businesses, contributing to a stronger community and economy. We're proud that over 38,000 Kiwi businesses choose to bank with us.
3

Toru

Business banking specialists

We believe that when you join us, we join you – our business banking specialists will work with you to find the best banking products and services for your business. Together we can do great things.

Commentary and insights

Hear from experts like our economists Jarrod Kerr, Jeremy Couchman and Mary Jo Vergara. Discover insights on the local and global market, business trends and opportunities.

Learn more

Tips & guides to help you manage your business

Tips

Starting a business

Article

Six steps to good business health

Tips

Nine tips to keep the flow in cashflow

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Talk to a business banking specialist

Your success is important to us, so when you join us, our dedicated business banking team will work with you to find the best tools, services and banking solutions for your business.

Find a business banking specialist

Find a business banking specialist in your area. Request a call back, or call them directly.

Find a business banker

Call us

Call our business banking team on 0800 601 601, or +64 4 803 1646 if you’re calling from overseas. Mon – Fri: 8am – 5pm.

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Helping you achieve your business goals

Why switch to Kiwibank?

Banking Kiwi

Backing Kiwi