Every Day Accounts

We offer a full range of accounts and services for easy and flexible management of your business transactions and daily cash flow. We can work with you to develop a solution to suit your business needs.

Our choice of cash management accounts and facilities include:

• Business Current Account - an all-in-one account for your day-to-day business banking needs.
• Business Premium Call Account - rewards you with premium interest rates, while providing ready access to your funds.
• An overdraft facility - gives you the flexibility to cover unexpected expenses, special purchases or temporary cash shortages.
• Business Flexible Facility - borrow for both working capital and capital expenditure by securing your borrowings against residential property.

Business Current Account

The National Bank Business Current Account is an all-in-one account for your day-to-day business banking needs.

Benefits include:

• Easy account access through branches, Touchtone Phone Banking and Online Banking¹ Complete transactional banking available through our web-enabled
• Choice of fee options to match your level of transactional activity.
• Can be combined with an overdraft facility³ and used as your main working capital account.

Terms and conditions and a monthly account fee apply. Transaction fees and other fees and charges apply to deposits and withdrawals. Read our current disclosure statement.

1 Only available to National Bank customers who have registered for this service. Some electronic banking services are available only for single signatory accounts.
2 Eligibility and lending criteria apply.
3 Our lending criteria apply and an establishment fee may be payable. For full details of other fees, charges, terms and conditions that may apply contact a Relationship Manager.

Business Premium Call Account

The National Bank Business Premium Call Account combines premium interest rates with ready access to your funds.

Benefits include:

• The greater your account balance, the more interest you earn.
• Ready access to your account at any time, so your funds are always available.
• Easy account access through branches, Touchtone Phone Banking and Online Banking¹.
• No monthly account fee enabling your funds to work as hard as possible for you.

Terms and conditions apply. Fees and charges may apply. Read our current disclosure statement.

1 Only available to National Bank customers who have registered for this service. Some electronic banking services are available only for single signatory accounts.

Overdraft Facility

A National Bank overdraft facility gives you the flexibility to cover unexpected expenses, special purchases or temporary cash shortages. It effectively turns a Business Current Account into an all-in-one solution for all your day-to-day and working capital requirements.

• We can structure a facility to reflect your limit, anticipated usage and the potential volume of transactions.
• We can set an overdraft limit for your specific needs
• You can allow your current account balance to fluctuate, within the pre-set limit, according to your cash flow cycles.

Our lending criteria apply and an establishment fee may be payable. Fees, charges, terms and conditions apply.

Business Flexible Facility

If you can secure your borrowings against residential property, you can use The National Bank Business Flexible Facility to borrow for both working capital and capital expenditure.

The Business Flexible Facility gives you:

• A credit line you can use as and when you need it (up to a pre-determined limit). You can pay off the balance or borrow more funds according to your needs.
• Access to your credit line through the full range of transactional options, including EFTPOS and Online Banking¹, as well as cheques.

Our lending criteria apply and an establishment fee may be payable. For full details of other fees, charges, terms and conditions that may apply contact a Relationship Manager.

1 Only available to National Bank customers who have registered for this service. Some electronic banking services are available only for single signatory accounts.

For More Information

Contact us to learn more about how we can help you.

Useful Links

Ways to Bank – a choice of ways you can bank with us.

Investing Funds – keep your short-term funds accessible while maximising returns.

Business Lending – funding options for business growth.

Foreign Currency Accounts – easy solutions for managing foreign currencies.

Managing Liquidity – flexible working capital for your business.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of The National Bank's financial advisers, please contact us on 0800 18 18 18.