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Small & medium enterprises

Running a SME means wearing many hats. We're here to make banking easier, with practical tools and support from a specialist team who understand your business.

Business banking that works as hard as you do

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Earn interest — no hoops, no hassle

With our award-winning Business Online Call account, the rate you see is the rate you get. No bonus rates to unlock or conditions to meet.

Business Online Call

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Market-leading cashback

Get New Zealand's best business credit card cashback earn rate, paid back into your business every quarter.

Business+ Visa

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Funding approval in minutes

Apply online and get a decision in minutes for a range of business loans, overdrafts, credit cards and asset finance.

Check eligibility

       

Your business toolkit

Powering 48,000+ Kiwi businesses

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Putting people at the heart of banking

Manta Marine wanted a bank that listened and understood their business. We're proud to support them as they invest in new equipment and plan for the future.

Manta Marine's story

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A shared commitment to doing good

We've supported Wonky Box from the start as they've helped reduce food waste, support local growers and make fresh produce more accessible for Kiwi households.

Wonky Box's story

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Growing stronger together

We've worked alongside Rubber Developments for more than a decade, supporting their expansion and helping them build a stronger business for the future.

Rubber developments' story

Insights that give you an edge

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Markets, Mystics & Mayhem podcast: Ep88
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Chart of the week: Coffee beans and chocolate bars

Moving on up. Interest rates, construction, and bonds

The Reserve Bank delivered a hike to 2.75% last Wednesday, as expected. Interest rates aren't the only things going up, though. The construction industry is finally showing signs of life and global bond markets continue their historic rise.
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Great Southern Land: the further you go south, the better it gets. But it’s far from good...

A dovish hike sets the tone. We will sing along

We expected the RBNZ to hike the cash rate from 2.50% to 2.75% today and they did. We are encouraged to see an updated OCR path that meets our view, no big moves, just keep things in stimulatory territory for a little bit longer. Interest rates should remain stimulatory for now, to encourage investment and hiring. The economy needs support, and inflation pressures should ease from here. We like it.

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Let's get started

Open an account

If you're a New Zealand registered limited company, you can apply online in less than 20 minutes.

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Find a business banking specialist

Get in touch with a business banking specialist in your area.

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Call us

Call our business banking team on 0800 601 601, Monday to Friday between 8am to 5pm (or +64 4 803 1646 from overseas).

Call 0800 601 601