BSB 806 015

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Due to planned maintenance, access to our digital banking services and Phone Banking may be unavailable between 10:30pm on Saturday 27 May through to 4:00am on Sunday 29 May AWST. We apologise for any inconvenience this may cause. View details

BSB 806 015

Business Account

Everyday transaction account for businesses

No monthly fee


Visa Debit Card

Includes payWave

We know you already have enough to do in your small business and you don't want to worry about managing your bank account. Our Business Transaction Account is ideal for small businesses. It's for everyday and it's easy to use.

  • No monthly fee - keeping your hard earned money in your account.
  • Fee free transactions - keep more of your money in your business. A range of fee free transactions are included in the Business Account.
  • VISA Debit card - access your funds wherever Visa is accepted.
  • Easy access - access your funds via Internet Banking, Mobile App, Phone Banking, SMS banking and many more.
  • ATM access - free and convenient access to your money at all major bank ATMs across Australia.
  • For all sizes - whether your business is big or small we've got you covered. The business transaction account is ideal for sole traders, partnerships, companies or joint ventures.
  • Peace of mind - your Visa Debit card is protected by Visa Zero Liability when using Visa payWave or pressing credit in store. Additionally, Verified by Visa adds an extra layer of security to select online transactions.

How to apply

We’re here to help you find the right solution for your business. To get started, simply visit a branch or call 13 25 77.

Interest Rates

Product Name Tier Rate
Interest Calculated Interest Credited
Business Account $0 - $99,999 0.01% p.a. Minimum monthly balance Last day of every month
Business Account > $100,000 0.05% p.a. Minimum monthly balance Last day of every month

Business Account Fees & Charges

Account fees & charges
Monthly Base Balance Fee


Base Balance


Unlimited Free Transactions
  • Payroll Credit
  • Direct Credit
  • [email protected]™ deposit¹
  • Internet Banking Transfer
  • Mobile App Transfer
  • Phone Banking Transfer
  • Cash Deposit (notes)
  • Direct Debit from another institution to P&N Bank
  • VISA Purchase
  • [email protected]™ withdrawal¹
  • Internet Banking Transfer
  • Mobile App Transfer
  • Phone Banking Transfer
  • BPAY®
  • Auto Transfer (internal/external)
  • Direct Debit
Transaction fees & charges
[email protected]™ deposit*$1.95
Express Cheque Deposit**$0.50
Cheque Deposit$0.50
[email protected]™ withdrawal*$1.95
Cash Withdrawal$5
Manual Transfer$1.95

The table above covers fees and charges related to this product.

Other fees & charges that apply to all of our accounts can be found on our fees and charges page

¹ [email protected]™ deposits and withdrawals are available only with an P&N ATM Card or VISA Card. Cheques must be made out in the name of the cardholder to be accepted at [email protected]™ and are subject to 4 working days clearance.

** First 10 cheques deposited via Express Cheque Deposit per month are free

# Card access only where one signatory required

® Registered to BPAY Pty Ltd ABN 69 079 137 518

Up to 0.05 % p.a. Interest Rate


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