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Business banking that keeps the books tidy

Three business checking tiers, card acceptance for your customers and statements your accountant can import in one click.

Pick the tier that matches your size today

Start on the free tier and move up when you add people or volume. Your account number stays the same when you change tier.

Every business account includes CSV statements, saved payees and in-app support from a team that handles business accounts every day.

Business Checking Start

A free account for sole traders and new companies that need to keep business and personal money apart.

Invoice clients with your own business account number, pay suppliers and export a CSV statement at the end of each quarter.

No monthly fee and no minimum balance while you are getting started.

Opening balance
$100
Monthly fee
$0
Team users
1
Business Checking Start

Business Checking Plus

For growing teams: more users, saved payees for payroll and a virtual card for each person.

Give your team their own sign-in and virtual card, each with its own spending limit. You see every payment in one history.

Keep $5,000 or more in the account for the month and the fee is waived.

Opening balance
$1,000
Monthly fee
$15, waived above $5,000
Team users
Up to 5
Business Checking Plus

Business Checking Pro

For established companies: unlimited users and a relationship manager who knows your business.

Your relationship manager is your first contact for larger payments, lending and new accounts.

Include as many team members as you need and give each one the access their role requires.

Opening balance
$10,000
Monthly fee
$35
Team users
Unlimited
Business Checking Pro

Merchant Services

Take card payments online and in store, with payouts straight into your Finbit business account.

Add a payment link to your invoices or a checkout to your website. Card readers for the counter are available on request.

One rate for every card type, paid out the next working day.

Card fee
1.4% + 20c
Payouts
Next working day
Setup fee
$0
Merchant Services

The numbers behind the account

Every figure here is a product fact you can check once your account is open, not a survey result.

  • $0

    Monthly fee on Business Checking Start

  • 3

    Business checking tiers

  • 5

    Team users on Business Checking Plus

  • 20

    Business cards per company

Corporate questions

Something missing? Send us a message and a person will reply.

What do I need to open a business account?

Your company registration details, the address you trade from and ID for each director or owner with 25% or more of the business.

Can my accountant see the account?

On Plus and Pro you can invite your accountant as a view-only user. On any tier you can export a CSV statement and send it to them.

How long does merchant setup take?

Most businesses can take online payments within three working days of applying. Card readers are posted once your account is approved.

Take charge of your money, starting today.

Opening an account is free and takes about five minutes. You need your ID details and a phone, nothing else.

We serve customers from every background with straightforward accounts, honest pricing and support from people who answer.