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2023-12-22 2:05 pm

Commercial Access

On balances over $50,000
Terms and conditions apply

Bank Australia’s business transaction account for companies, SMEs, sole traders and more.

Withdraw when you want

MOZO People’s Choice winner 2022
See all reviews
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Earn up to

Variable rate
On balances over $50,000
Effective 18 December 2023
Variable rate
On the portion between $5,000 and $49,999
Effective 18 December 2023
View full rates table
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Who it's for

  • Sole traders
  • Partnerships
  • Pty Ltd and public companies
  • Associations

What you get

"It was so simple to set up my business accounts with Bank Australia. Great customer service and product knowledge"
Erin, Bank Australia business customer

Instant access

Your funds are available ‘at call’, which means you can withdraw money from your account as soon as it has been deposited.

Visa Debit card

Your Visa Debit card is accepted worldwide and comes with 24/7 fraud monitoring. 

Batch processing

Tackle payments and transfers faster with the easy ability to pay others using the app and internet banking.

Internet banking

For batch processing and the convenience of anytime, anywhere access to your account.

Instant, easy payments

Move money and pay people instantly with Osko. And use PayID to pay and be paid the simple way. 

Fee-free ATMs

Withdraw cash fee-free at Bank Australia ATMs and those of all the major banks – all around Australia. 

Low-cost international transfers

Move money across borders quickly, easily and securely. It’s all done through the app and internet banking.

Best-in-class security

Know your money is safe with 24/7 fraud monitoring, card controls, security alerts and more.

Above: Tom and Sacha, Sunbutter, Bank Australia business customers

Customer story

Tom, Bank Australia business customer

“[Bank Australia] complements our ethics and ethos really nicely. We put the environment at the forefront of everything we do at Sunbutter, so it made sense to switch our banking to Bank Australia"

Read Sunbutter's story

Current interest rates

Effective 18 December 2023
Interest (p.a.)

Interest rate is variable and is calculated daily on whole of balance and credited quarterly.

Fees, charges and discounts

We’ll waive the $8 monthly account fees if you:

What it's for
Monthly account fee
$8 (unless waived)
Exceeding available funds fee
$10 plus Debit interest rate
Debit interest rate
Dishonour fee
Domestic ('press cred') cash withdrawal fee
Visa foreign cash withdrawal fee
$3.50 plus the International transaction fee
International transaction fee
3% of transaction value

It pays to know. Please read the Product Disclosure Document and see all fees and charges before deciding if this account is right for you. See all rates and fees.

Responsible banking policy

We believe that the clean money movement is *the* way forward for a sustainable and values-led banking sector. The movement is underpinned by the Bank Australia responsible banking policy – which was formed, and continues to evolve, through research and development with Bank Australia customers. 

Read more

Money, People & Planet

See more at the Bank Australia blog
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General advice and product disclosures

General advice

Information provided is of a general nature only. In providing you with this information you should consider the appropriateness of this advice with regards to your particular financial situation and needs. You should consult the Product Disclosure Documents below before making a decision to apply for products with Bank Australia.

Terms, conditions, fees and charges may be applicable as outlined below.

Product disclosure documents