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For and with you

Business Transaction Account.

The easy way to keep your business finances under control.

Key benefits.

Tiered interest rates, calculated daily, paid monthly.
No minimum opening or ongoing balance requirements.
No monthly account keeping fees.

Great features.

  • Visa debit cards hello
  • Internet, Mobile and Telephone Banking
  • Batch banking options
  • eStatements, so all banking records are automatically securely stored
  • A number of free transactions, so more of your money is spent on your business not fees.
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Interest rates.

Business Transaction AccountInterest Rate (%p.a.)
$0 - $19,9990.01% p.a.
$20,000-plus0.05% p.a.

Interest is calculated daily on the whole balance and paid monthly.

Fees and charges.

Fees that don't apply

Monthly account keeping fee


Direct credits


Branch over the counter cash deposits


ATM withdrawals^


Visa purchases


Osko/PAY ID fee


BPAY performed using Internet, Mobile or Telephone Banking


Transfers using Mobile Banking


Transfers between accounts with us using Internet Banking or the Account Information Line and addressed by BSB and account number


^Withdrawals and enquiries at Australian and overseas ATMs may incur an ATM operator fee charged by the ATM operator.

Fees that apply which are included in Monthly Fee Allowance


Fee each

Eftpos purchases (inc. with or without cash out)


Visa purchases with cashout


Branch over the counter cash withdrawals


Staff-assisted transfers & BPAY payments~


PayTo payments using Internet Banking


~Customers over the age of 70 years and transfers to Beyond Bank term deposits are exempt.

The following transctions are not included in the Business Banking Fee Allowance and are charged at the end of the month. 


Fee each

Internet Banking external batch payment per transaction in the batch


Direct debits


Transfers between accounts with us using Internet Banking or the Account Information Line and addressed by PayID


Transfers to accounts at another financial institution using Internet Banking


Electronic external periodic payments


Bank@Post withdrawals


Bank@Post deposits


Cheque deposits (per item)


Declined EFTPOS or Visa Debit transactions*  – one free per relationship per month then:


Visa Debit card or rediCARD overseas ATM withdrawals


International Transaction Fee²

3.0% of the value of the transaction

View our Fees and Charges Guide for the full details of other transaction and service fees that may apply.

Business Banking Fee Allowance. 

Each Business Membership you have with us is allocated a monthly Business Banking Fee Allowance for most transaction types conducted on the accounts. 

The amount of your monthly Business Banking Fee Allowance depends on your Business Banking Portfolio Value at the end of the last day of the previous month as follows:

The Business Banking Fee Allowance only applies to Business Accounts. 

Business Banking Portfolio ValueBusiness Banking Fee Allowance
$100,000 or more$40
$40,000 to $99,999$35
Less than $40,000$20
How to apply
Talk to one of our Business Banking Specialists today.
Request appointment

Who can apply?

The Business Transaction Account is available to business customers. When you acquire this product you will automatically become a member of Beyond Bank Australia and become a part-owner of the bank.

More banking solutions.