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Commercial Access

0.10
%
p.a.
On balances over $50,000
‍Terms and conditions apply

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

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Why us? Who it's forWhat you getOur ratesFees and chargesGet started

Withdraw when you want

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

0.10
%
p.a.
Variable rate
On balances over $50,000
Effective 25 September 2023
0.05
%
p.a.
Variable rate
On the portion between $5,000 and $49,999
Effective 25 September 2023
View full rates table
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Why us?

Be the change

What if the money in your bank account helped other people and the planet? When you bank with us, it does. 

Values aligned

Rest assured that your money is not supporting industries that do harm, like fossil fuels or animal exports.

Anytime access

Manage your money 24/7 with internet banking, with your funds available whenever you need them.

Who it's for

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

All rates and fees

What you get

StarStarStarStarStar
"It was so simple to set up my business accounts with Bank Australia. Great customer service and product knowledge"
Erin, Bank Australia business customer
See more on Productreview.com.au
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Instant access

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

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 internet and phone 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. 

7,000 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 25 September 2023
Balance
Interest (p.a.)
$0-$4,999
0.00
%
$5,000-$9,999
0.05
%
$10,000-$19,999
0.05
%
$20,000-$49,999
0.05
%
$50,000-$99,999
0.10
%
$100,000+
0.10
%

Fees, charges and discounts

Here’s what to expect with our Commercial Access account: 
What it's for
Amount
Monthly fee
$8 (unless waived)
Dishonour fee
$12
Exceeding available funds fee
$10
“Press credit” cash withdrawal fee
$3.50
Foreign currency conversion 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

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See more at the Bank Australia blog
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The fine print

General advice warning: 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 before making a decision to apply for products with Bank Australia.

Bank Australia is committed to delivering memorable and superior service to all customers. We welcome your feedback, compliments and/or complaints about our performance.

® Registered to BPAY Pty Ltd ABN 69 079 137 518
® Terms, conditions, fees and charges may be applicable. Bank@Post and its device mark are registered trademarks of the Australian Postal Corporation. All rights reserved.

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