Transaction account
The daily engine: receive customer payments, pay suppliers and run payroll with unlimited electronic transactions on standard plans.
Business solutions
Business banking that scales with you
From the first invoice to a multi-location payroll: transaction accounts, merchant payments, lending and cash-flow visibility, all explained for owners and finance teams.
+12%Revenue this quarter
PayrollApproved by 9:00
Foundation
Business accounts at a glance
Separate business money from personal money on day one. It keeps accounting clean and unlocks lending later.
Business savings
Park reserves and tax set-asides where they earn interest while staying reachable for planned spending.
Multi-user access
Role-based permissions: view-only for bookkeepers, prepare-payments for accountants, final approval for directors.
Getting paid
Accept payments the way customers expect
Every extra second at checkout costs conversions. CommBank merchant tools cover the full surface: counter terminals, mobile card readers and online checkout.
- Tap, chip and wallet support on every terminal.
- Next-business-day settlement into your business account by default.
- One ledger — terminal takings reconcile against NetBank transactions automatically.
- Fraud screening on card-not-present sales to reduce chargebacks.
Funding growth
Lending, matched to the job
Borrowing is a tool, not a strategy. Pick the instrument that matches what you are funding and how fast it pays you back.
| Instrument | Best for | Repayment style |
|---|---|---|
| Line of credit | Cash-flow gaps, seasonal stock | Pay interest only on what you draw |
| Equipment loan | Vehicles, machinery, fit-outs | Fixed instalments over asset life |
| Commercial property | Buying or refinancing premises | Long-term, fixed or variable |
| Invoice finance | Waiting on large B2B invoices | Advance now, settle when paid |
Owner's checklist
Five cash-flow habits that save businesses
Forecast thirteen weeks ahead
A rolling 13-week view catches crunches a full quarter before they arrive.
Separate tax money the day it lands
Move a fixed percentage of every receipt into a dedicated savings account automatically.
Invoice the same day you deliver
Payment terms start when the invoice arrives, not when you remember to send it.
Match repayment dates to receivables
Schedule supplier payments just after your largest collections land.
Review fees annually
Terminal plans, account fees and card rates change. An annual review typically finds savings.
FAQ
Business banking questions
When does a business need a dedicated business account?
As soon as you trade under a business name, accept customer payments or want clean books for tax time. Separation simplifies accounting and is often legally required.
How do merchant card payments work?
A terminal or app accepts the customer's card, the network authorises it in seconds, and funds settle into your business account, typically by the next business day.
What lending options exist for small businesses?
Common options include unsecured lines of credit, secured equipment loans, commercial property loans and invoice finance. The right choice depends on what you are funding and your repayment horizon.
Can I manage staff access to the business account?
Yes. Role-based access grants permissions such as view-only or prepare-payments, while a senior person approves. Every action is logged for audit.
Operating at institutional scale?
For corporates, trade finance and markets, continue to the institutional banking guide.