Help & support
A business bank account can assist you in managing payments, cash flow and day-to-day finances, while helping you grow and manage your savings. Whether you’re a small business or an established company, you can choose from one or more account options to suit your needs.
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An everyday business bank account to send and receive payments, manage cash flow and run your business.
Monthly Account Fee options
Explore Business Transaction Account
Apply online in about 8 minutes
Already have a CommBank Business Transaction Account?
Add a complimentary debit card linking to your eligible business account.
Business Online Saver
Capital Growth Account
Explore Capital Growth Account
Business Investment Account
Explore Business Investment Account
Flexi Business Investment Account
Explore Flexi Business Investment Account
Hold funds securely on behalf of your clients as required by relevant legislation.
Designed for legal practitioners, real estate agents, auctioneers, conveyancers, settlement agencies and other businesses.
A transaction account designed for eligible not-for-profit organisations, associations, and community groups operating for the benefit of the community.
Help manage farm income fluctuations and plan for the future.
Use these questions to help you choose the right account.
It depends on your business structure.
If you run a company, partnership or trust, you’ll need a separate business bank account for tax and reporting purposes.
If you’re a sole trader, you don’ t need one, but it’s recommended.
A business bank account can help you:
You don’t need one, but it’s a smart move.
As a sole trader you are personally responsible for all aspects of the business. Most accountants and banks recommend a dedicated business account to:
Requirements may vary depending on business structure, but you’ll usually need:
Depending on your setup (for example, a company or partnership), you may also need extra documents such as registration details or director information.
In some cases, yes, but it’s not ideal.
Even when it’s allowed, using a personal account can make it harder to:
Most business owners choose a separate account to stay organised and avoid issues later.
Yes. Many businesses do.
You might use separate accounts for:
This can make budgeting and cash flow tracking easier as your business grows.
Our selector tool can help you in 3 simple steps:
Answer a few questions about your business
Compare and choose from our products and services
View a summary of your choices and next steps
Used this tool before? Retrieve your summary
1 You can add your CommBank business credit cards and Visa Business Debit card to Apple Pay. Some CommBank cards are ineligible for Apple Pay including Mastercard Business Debit Card and Corporate card.
Apple, the Apple logo, Apple Pay, Apple Watch, MacBook Pro, iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.
2 Take your physical card when you travel overseas as not all countries have tap & pay widely available.
3 Offers presented are from a third-party website and may be varied or withdrawn at any time, without the control of Commonwealth Bank of Australia. Offers will also be subject to their own Terms and Conditions. Please refer to the individual offer to learn more.
4 A variable interest rate of 1.55% p.a. is available for balances $1,000,000 and over. You can view the Business Transaction & Savings Accounts Terms and Conditions(PDF) our Financial Services Guide(PDF) and the Electronic Banking Terms and Conditions(PDF) and should consider them before making any decision about these products and services.
5 A hold may apply to first-time transfers between unlinked accounts through NetBank/CommBiz or the CommBank app.
6 A variable interest rate of 4.25% p.a. is available for Balances on Hold (BOH) on 7 day notice period. You can view the Capital Growth Account Terms and Conditions(PDF) our Financial Services Guide(PDF) and the Electronic Banking Terms and Conditions(PDF) and should consider them before making any decision about these products and services.
7 An interest rate of 5.30% p.a. is available for balances between $5,000 and $1,999,999 on a 12 month term. Offer available from 12 October 2026 for a limited time only. Information provided (including interest rates) are subject to change. We reserve the right to close or vary this offer at any time. You can view the General Information and Terms and Conditions for Business Investment Accounts, our Financial Services Guide(PDF) and the Electronic Banking Terms and Conditions(PDF) and should consider them before making any decision about these products and services.
8 An interest rate of 4.90% p.a. is available for balances between $5,000 and $1,999,999 on a 12 month term. Offer available from 12 October 2026 for a limited time only. Information provided (including interest rates) are subject to change. We reserve the right to close or vary this offer at any time. You can view the General Information and Terms and Conditions for Business Investment Accounts, our Financial Services Guide(PDF) and the Electronic Banking Terms and Conditions(PDF) and should consider them before making any decision about these products and services.
9 Figure based on Page 5 of 2025 Annual Review
The target market for these products will be found within the product’s Target Market Determination.
View Terms and Conditions for Business Transaction and Savings Accounts(PDF 396KB) and our Financial Services Guide(PDF 59KB) and consider them before making any decision about these products. This advice has been prepared without considering your objectives, financial situation or needs. Before acting on the advice, please consider if it’s right for you. Bank fees and charges may apply.
Credit provided by the Commonwealth Bank of Australia. These products are only available to approved business customers and for business purposes only. Applications for finance are subject to the Bank's eligibility and suitability criteria and normal credit approval processes. View our current Terms and Conditions for Business Finance and consider them before making any decision about these products. Rates, fees, charges and Terms and Conditions apply.
