Business banking

• 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 customer, you may be able to apply online and get a quick decision within minutes.

• 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 customer, you may be able to apply online and get a quick decision within minutes.

• 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 customer, you may be able to apply online and get a quick decision within minutes.

• 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.

• Have multiple cardholders and assign them each different limits
• Up to 55 interest free days on purchases
• Statements will break down who spent what
• If you're a Xero or MYOB AccountRight customer, you may be able to apply online and get a quick decision within minutes.

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

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

• Earn fixed returns from your investment
• Interest rate is fixed for 9 months
• No set up or monthly fees.

Interest rates are subject to change.

• 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.

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

Interest rates are subject to change.

• 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.

• $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.

• 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.

• 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.

• 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.

• 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.

• Suits recurring direct debit payments if you process fewer than 250 regular customer payments a month
• Accept credit card payments on your website
• Get paid online, even if you don't have a website
• Choose one or all of Fetch's service: Fetch Web Payments, Fetch Recurring Payments and Fetch Invoice Payments.

• 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.

• 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.

• 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.

• 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.