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Business Transaction Account.

The easy way to keep your business finances under control.
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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
  • 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 Account Interest Rate (%p.a.)
$0 - $19,999 0.01% p.a.
$20,000-plus 0.05% p.a.

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

Fees and charges.

Monthly account keeping fee

Free

Direct credits

Free

Branch over the counter cash deposits

Free

ATM withdrawals^

Free

Visa purchases

Free

Osko/PAY ID fee

Free

BPAY performed using Internet, Mobile or Telephone Banking

Free

Transfers using Mobile Banking

Free

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

Free

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

Transaction

Fee each

Eftpos purchases (inc. with or without cash out)

$0.90

Visa purchases with cashout

$0.90

Branch over the counter cash withdrawals

$3.00

Staff-assisted transfers & BPAY payments~

$3.00

PayTo payments using Internet Banking

$1.00

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

Transaction

Fee each

Internet Banking external batch payment per transaction in the batch

$0.20

Direct debits

$0.50

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

$1.00

Transfers to accounts at another financial institution using Internet Banking

$1.00

Electronic external periodic payments

$1.50

Bank@Post withdrawals

$4.50

Bank@Post deposits

$2.00

Cheque deposits (per item)

$0.60

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

$0.40

Visa Debit card or rediCARD overseas ATM withdrawals

$4.50

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 Value Business 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 members. 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.

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Payment solutions for your business.

Whether you have a bricks and mortar presence, or you’re e-commerce based, we have a payment solution for you.

Payment solutions
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Business loan.

With competitive interest rates, low fees and flexible repayment options, our business loans make it easy to get your business plans underway.

Business loans

   
 

Interest rates are current as at 19 May 2026 and are subject to change.
 

Interest is calculated daily on the whole balance and paid monthly on the last day of each month.
   
*

A declined transaction occurs in the following circumstances:
a. Insufficient funds in the account
b. Incorrect Personal Identification Number (PIN) entered; or
c. Number of PIN tries exceeded.

(members over the age of 70 years are exempt)
   
2

This fee is payable when you use your Visa Credit Card, Visa Debit Card or Visa Prepaid Card to make a transaction:
- In a foreign currency when using your card either online or at a merchant point of sale (irrespective of where the transaction occurs); and/or
- In Australian dollars, when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion where a transaction denominated in a foreign currency is converted to local currency.
(This fee will be collected by Cuscal, with 1.0% payable to us, 1.0% is retained by Cuscal and 1.0% is paid to Visa International). Some overseas Merchants may allow you to pay in Australian dollars, for example, when you make a purchase online or over the phone. This is still considered an international transaction as the transaction is processed overseas and will attract any International Transaction Fee.
   
 

This information is of a general nature only and does not take into consideration your objectives, financial situation or needs. The information must not be relied upon as financial product advice. Before acquiring any product you should read the relevant guides, Product Disclosure Document, and consider whether a product is suitable for your circumstances to decide if a product is right for you.
   
 

Terms, conditions, lending criteria, fees and charges apply. For full details please review our Financial Services Guide, Product Guide, Fees and Charges Guide and Target Market Determinations. These are available on our website at beyondbank.com.au/about-us/corporate-governance/disclosures, by calling us on 13 25 85 to request a copy or by visiting a branch. They will also be provided at the time of acquiring any product.
   
 

All products and services are provided by Beyond Bank Australia Ltd, 100 Waymouth Street, Adelaide, SA 5000, ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2026.