Business rates, fees and agreements

The main fees and service charges are detailed below. For details on all fees and charges, please refer to ANZ’s Fees and Charges brochure.

Unless otherwise advised to you, the following fees apply to the ANZ Business Current Account and ANZ Business Premium Current Account:

• Monthly account fee: $8.50 
• Transaction fee: 200 free transactions a month. $0.20 for each additional automated or manual transaction.
• Service fees:
  • Cash handling fee*
    • Deposits less than $3,000 per business processing day – waived.
    • Deposits of $3,000 and over per business processing day – 0.25% of total cash deposited.

*To be charged per account, on the total cash amount deposited in any one business day. The cash handling fee is not charged on the ANZ Business Premium Current Account.

• Monthly account fee: Nil 
• Transaction fee: No charge for automated or manual transactions.
• Service fees:
  • Cash handling fee* –
    • Deposits less than $3,000 per business processing day – Waived.
    • Deposits of $3,000 and over per business processing day – 0.25% of total cash deposited.

* To be charged, per account, on the total cash amount deposited in any one business day.

** Not a transaction account

• Monthly Overdraft Management fee
  Unless agreed otherwise in your facility agreement, 0.12% (minimum $5.00 a month).
  Calculated and charged monthly as a percentage of the highest agreed overdraft credit limit available during that month.
• Overdraft Application fee
  A minimum amount of either $75.00 or 1% of the approved credit limit or increase, whichever is greater (ANZ will advise you if the application fee is higher than the minimum amount of $75.00).

• Overdraft Management Fee, and Overdraft application fees apply, as agreed in your facility agreement

• Monthly account fee: $12.50
• Transaction fee: No charge for automated or manual transactions.
• Monthly Overdraft Management fee: 0.50% p.a. calculated and charged monthly as a percentage of the highest agreed flexi limit during that month (minimum $5 a month).
• ANZ Business Flexible Facility application fee: Up to 1% of loan amount with a minimum of $250.
• Service Fees:
  • Cash handling fee* for deposits of $3,000 and over per business processing day – 0.25% of total cash deposited.

*To be charged per account, on the total cash amount deposited in any one business day.

• Monthly account fee: Nil 
• Transaction fee: $5.00 per automated or manual transaction. The first five transactions in each calendar month are free.
• Monthly Overdraft Management fee: Unless agreed otherwise in your facility agreement, 0.12%. Calculated and charged monthly as a percentage of the highest agreed limit available during that month.
• Overdraft application fee: Up to 1% of loan amount with a minimum of $250.
• Service fees:
  • Cash handling fee for deposits – Nil

Automated transactions include EFTPOS, Visa Debit, ATM, and mobile wallet transactions, as well as electronic payments and other transactions made using ANZ Internet Banking, ANZ goMoney, Phone Banking and ANZ Direct Online.

Manual transactions include transactions handled by our staff for you, including at a branch, by phone, or online. Balances and basic account enquiries at a branch are free. We process any deposits received through ANZ Fast Deposit Boxes as staff-assisted, manual transactions.

• Unarranged overdraft fee: $3
  Applies if we choose to let you make payments or withdrawals or take any fees or charges, when you don’t have enough money in your account. We’re lending you money you don’t have and you must repay that money as soon as possible or when we ask. We charge the fee each month if you exceed your approved overdraft limit, or your account becomes overdrawn, by more than $10, for more than one day. This is charged in addition to excess interest.

• Auditor’s Confirmation Report standard fee: $65
• Auditor’s Confirmation Report Less than 48 hours notice fee*: $130
  • This fee is charged when you request an Auditor’s Confirmation Report from ANZ
  • A form is required which includes the ability to automatically create a report on an annual basis
  • The fee must be debited from an ANZ transactional account
  • *This fee will apply if you give us less than 48 hours notice of needing an Auditors Confirmation Report.

We have a number of term loan solutions available to our business customers. The main fees are detailed below.

• Loan approval fee: 1% of the loan amount with a minimum fee of $250
• Early Repayment Recovery: May also apply if you choose to repay some or all of, or restructure, your ANZ Term Loan during a fixed rate period. Early Repayment Recovery is sometimes called a ‘break fee’.
• Loan top-up fee: Up to 1% of the increased loan amount (minimum $250)

Depending on which of our business term loan products you are eligible for, additional fees may apply to our more complex arrangements. Please refer to your loan agreement or contact us on 0800 269 249 to determine what terms and conditions, and rates and fees, apply to you.

The ANZ Business Flexible Terms and Conditions only apply to certain facilities. Please refer to your Facility Summary or Facility Agreement to confirm which terms and conditions apply to your ANZ Business Flexible Facility.