Tag: Bank

Business Bank Accounts, Westpac Business, Westpac, business bank accounts.#Business #bank #accounts


Business bank accounts

Business bank accounts

For businesses that mainly transact electronically

  • Unlimited electronic transactions
  • 25 free transactions per month (includes staff-assisted and cheque transactions)
  • $0 Monthly Plan Fee for the first 12 months, then standard fee applies. Currently $10. Offer ends 10 December 2017.

Open an account in less than 10 minutes

Business bank accounts

For businesses with a high number of transactions

  • Unlimited electronic transactions
  • 60 free transactions per month (includes staff-assisted and cheque transactions)
  • $20 Monthly Plan Fee.

Open an account in less than 10 minutes

Business bank accounts

For businesses that make a low number of transactions

  • No monthly service fee
  • Pay as you go fee structure, meaning you only pay for the transactions you make.
  • Tiered interest paid on certain balances

$0 Monthly Plan Fee for 12 months

Save $120 by having your Monthly Plan Fee waived for 12 Months when you open a new Business One Low Plan account by 10th December 2017.

Terms and conditions, fees and charges apply. Find out more

Community Solutions One

Everyday transaction account specially designed for not-for-profit organisations.

Business bank accounts

  • No monthly service fee
  • Unlimited electronic transactions and staff assisted transactions (including cheque)
Open Community Solutions One

Foreign Currency Accounts

Make and receive payments in a foreign currency to help manage your cash flow.

Business bank accounts

  • There is no minimum amount required to open a Foreign Currency Account
  • Accounts available in a range of foreign currencies
  • Can be electronically accessed via Westpac Live for making and viewing transactions

Open Foreign Currency Account
Apply online

Open a Business One account – Low Plan

Give us a call

8am – 8pm, Mon – Fri

Find a branch

Visit your local branch

Learn more about
Find the right account
Things you should know

To be eligible to apply for Business One – Low Plan, Business One – High Plan or Business Flexi, your business must be registered in Australia.

Open a new Business One Low Plan account between 30 October and 10 December 2017 to have the Monthly Plan Fee waived for the first 12 months. At the end of the 12 month period the standard Monthly Plan Fee, currently $10, applies to the Business One Low Plan. Other fees and charges, terms and conditions, apply to the Business One Low Plan. Before deciding to acquire or hold any of these products, you should read the terms and conditions and consider whether the product is suitable for you.

Westpac Community Solutions Cheque Account is available for not-for-profit organisations including companies operating on a non profit or charitable basis. Westpac reserves the right, with at least 30 days written notice, to change the account to a Westpac Business One – Low Plan if it considers that the account is being used for profit-making purposes.

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.



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Open a Business Bank Account, Business Banking, HSBC, business bank accounts.#Business #bank #accounts


business bank accounts

    • Business bank accounts

      Find the support you need to help your business get ahead, along with clear pricing so you know where you stand

      About business bank accounts

      Find an account to suit your business – whether you’re just starting out or looking to switch banks

      About business cards

      Separate your business spending, stay in control of your expenses and reduce your need for cash

      About business savings accounts

      Earn interest on surplus cash while keeping funds easily available for your business

      About credit and lending

      Let us help your business to achieve its ambitions with our range of credit and lending facilities

      About ways to bank

      Access and manage your money on the move – whenever and wherever you need to

      About finance and borrowing

      Discover a wide range of business finance solutions to help you achieve your business goals

      About business cards

      Separate your business spending, stay in control of your expenses and reduce your need for cash

      About credit and lending

      Let us help your business to achieve its ambitions with our range of credit and lending facilities

      About global receivables

      Provide your customers with a choice of ways to pay – online and in your retail outlet – to help you improve your cash flow

      Find the cover you need quickly and easily with a tailored insurance policy from our preferred partners

      About receivables finance

      Free up your working capital and keep your business running smoothly with our invoice finance solutions

      Let us take the complexity out of payments and handle them efficiently so you can focus on running your business

      About business cards

      Separate your business spending, stay in control of your expenses and reduce your need for cash

      About clearing and foreign currency payments

      Take advantage of our expertise and you’ll be able to make and receive domestic and global payments with ease

      About Global payables

      Let our payroll experts simplify your payroll management so you can make payments swiftly and securely

      About global receivables

      Provide your customers with a choice of ways to pay – online and in your retail outlet – to help you improve your cash flow

      Protect what matters most with business insurance policies and workplace pensions provided by our preferred partners

      Take advantage of our international expertise to help you remove some of the risks associated with global payments

      Benefit from our extensive experience of providing guarantees so you can trade with increased security and reduced risk

      Discover secure ways of receiving your goods and use our trusted payment methods to help you trade with confidence

      Find the cover you need quickly and easily with a tailored insurance policy from our preferred partners

      About receivables finance

      Free up your working capital and keep your business running smoothly with our invoice finance solutions

      About import and export

      Find the guidance you need to help you trade securely and cost-effectively overseas

      Take advantage of our international expertise to help you remove some of the risks associated with global payments

      Benefit from our extensive experience of providing guarantees so you can trade with increased security and reduced risk

      Discover secure ways of receiving your goods and use our trusted payment methods to help you trade with confidence

      About ways to bank

      Access and manage your trade requirements – whenever and wherever you need to

      Fighting financial crime with HSBC Safeguard

      If you have any questions about our information requests, find out more.

      Business Lending Tool

      Need a business loan, but not sure your business is eligible? See whether you’re likely to get the money you’re seeking.

      Pay the right tariff

      We’ll review your business current account every year to ensure you’re on the best standard tariff for your business

      HSBC Connections Hub

      You never know how far a connection might take you. Make our global network yours.

      Protecting your Business

      Protecting your business from external threats like fraud is important. Keep your business safe with these insights.

      Fighting financial crime with HSBC Safeguard

      If you have any questions about our information requests, find out more.

      Business Lending Tool

      Need a business loan? Find out if your business is eligible.

      Pay the right tariff

      We’ll ensure you’re always on the right tariff for your business

      HSBC Connections Hub

      Make our global network yours and connect with potential partners.

      Protecting your Business

      Keep your business safe from external threats with these tips and insights.

      Important message:

      On Friday 10th November changes will be made within Faster Payments Scheme Limited for some Banks, as a result there will be a scheduled scheme change window between 4:30 and 6:30 pm UK time. If you initiate a Bill Payment to an impacted UK Bank sort code during this time the payment will be rejected and you will be required to re-initiate the transaction after the scheme change window. We therefore recommend that you refrain from attempting to initiate any Bill Payments during this scheme change window.



    How to Shop for a Bank – Small Business, best bank for small business.#Best #bank #for #small #business


    How to Shop for a Bank

    • Find out whether your bank can make prompt decisions, or has to check with the home office.
    • Learn whether the bank is comfortable making loans backed by the U.S. Small Business Administration (SBA loans).
    • Look into special services, but be aware of added fees.
    • Feedback

      Choosing a bank for your business involves more than opening a new account at your personal bank or picking the branch office nearest your company. You need to understand what services you require and how much they cost. Ideally you ll find a banker who will take the time to walk you through how to solve a problem, so you can go back to running your business. Still, some business owners may spend more time shopping for a $300 laser printer than they would shopping for a bank.

      Here are a few issues to keep in mind when you look for a banker:

      Does your local banker have lending authority? What s the largest loan he or she can approve without checking with higher ups? Relationship managers at community-based banks often have more discretion than those at a unit of a big institution and they may consider small-business lending to be their bread and butter. But lately, the distinctions between large and small banks have blurred with the industry s consolidation. Many community banks have undergone mergers that now allow them to offer a wider range of services. Banks of all sizes are emphasizing improved customer service, having discovered that many customers still like face-to-face service at branches versus conducting all transactions online.

      Smaller, regionally focused banks may be better because they know local market conditions. They often provide more one-on-one access to a loan officer and put more emphasis on a borrower s character rather than just applying a credit-score model. And they can be more flexible during tough times, such as covering overdrawn accounts without imposing stiff penalties.

      Rates charged by large financial institutions are systematically lower than those charged by community ones, according to a study cowritten by the National Federation of Independent Business, an advocacy group. Larger banks are more likely to issue corporate credit cards to small businesses, which can be used for financing.

      Is your bank comfortable working with the U.S. Small Business Administration (SBA) loan system? Federally subsidized loans help protect the bank against default, which makes it easier for banks to lend money. SBA loans are available to businesses whose credit histories, cash flows or collateral would be inadequate for them to obtain traditional bank loans, and the SBA typically offers more flexible repayment terms. Larger institutions are likely to make loans backed by the SBA, which lets them accept riskier borrowers.

      What extras are available with your account? Despite stiffer lending procedures, larger banks may offer added benefits such as online services that help save time and money on tax and accounting assistance. These may include sending invoices, collecting payments, payroll and loan applications. Some banks may tie such help to requirements that a business s employees use direct-deposit channels. But keep in mind that banking is a competitive business, and it rarely takes more than a year for a new product or service to be copied by banks across the country. So trust and being comfortable with a bank can sometimes be more important than a seemingly new product.



    Fixed Rate Loan, Loans and Finance, Business Banking, Lloyds Bank, bank business loans.#Bank #business #loans


    Fixed Rate Loan

    • 9.3% APR Close APR Annual Percentage Rate (APR) is the total cost of the credit expressed as an annual percentage of the total amount of credit. It represents the actual yearly cost of credit over the loan term and includes not only the interest but also any other charges you have to pay, for example, an arrangement fee. The APR will vary depending on the loan amount and term. representative*
    • No arrangement fee for loans up to 25,000
    • Borrow from 1,000 to 50,000.
    • Choose a term from 1 to 10 years.
    • Fixed monthly repayments.
    • No early repayment costs.
    • Loans available on a secured or unsecured basis.
    • Read our charter to find out how we’re committed to lending to businesses.

    Representative example: 9.3% APR 1 based on an assumed unsecured loan amount of 8,000 with 60 monthly repayments of 165.68 at an annual interest rate of 8.90% (fixed). Total amount payable 9,940.80

    *The representative APR is an illustration of the rate that the majority of customers will receive. If a loan is described as having a particular representative APR, then we expect to offer that rate or better to at least 51% of the applicants we accept. Other customers may get a different rate based on their individual circumstances.

    Our representative APR applies to all unsecured loans with a borrowing amount of up to 25,000 for businesses with a turnover of up to 25 million. This figure is not necessarily the rate you will be receiving and is for illustrative purposes only.

    By borrowing at a fixed interest rate, you’ll know exactly how much your repayments will be every month. This can help you plan and manage your finances in advance, without needing to worry about changing market conditions.

    For loans above 25,000, an arrangement fee will apply and is related to the amount you choose to borrow. These terms will be discussed with you before you take out the loan.



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    The Co-operative Bank, Business Current accounts, business bank accounts.#Business #bank #accounts


    Current accounts

    Our business accounts give 24/7 access via our internet banking service and our UK based call centres. Ethical benefits and flexible access are offered as standard on our accounts.

    FSB Business Banking

    Business bank accounts

    This exclusive account for FSB members offers free banking.

    Business Directplus

    Business bank accounts

    The Business Directplus account offers 18 months free banking for new Co-operative Bank customers

    Community Directplus

    Business bank accounts

    An ethical way to bank for free for:

    • Registered Charities
    • Community Interest Companies
    • Co-operatives
    • Credit Unions

    Switch to us

    Business bank accounts

    . and get a taste of our customer satisfaction first hand.

    Our range of products

    How can we help?

    Business bank accountsThe Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No.121885). The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.



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    Best Bank For Small Business Loans – Payday Loans Online, best bank for small business.#Best #bank #for #small #business


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    Business Loans, Important Information – Santander UK, bank business loans.#Bank #business #loans


    Imagen”,”mtype”:”Page”,”uv”:”AH WLR_menu_desplegable_01″>’ > Bank business loans


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    Small Business Loans, BankSA, bank business loans.#Bank #business #loans


    Small Business Loans

    We understand that when you’re a small business cash flow is always on your mind. With one of the longest business lending terms in the market, we can help you grow your business whilst optimising your repayments.

    Everyday benefits

    What you get

    Variable rate

    Variable rate

    Fixed rate

    Fixed rate

    Fees and interest

    Are you eligible?

    How to apply?

    Call 1800 804 411

    Our Business Banking Specialists can help you Monday to Friday 8.30am – 5pm

    Call 1800 804 411

    Our Business Banking Specialists can help you Monday to Friday 8.30am – 5pm

    Drop in

    Find your nearest branch

    Drop in

    Find your nearest branch

    Eligibility criteria applies. Credit criteria, fees, charges, terms and conditions apply and are available on request. Please speak to your business finance specialist to find out more.

    Before making a decision, it’s best to read the terms and conditions which are available on application.

    The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you.

    Before making a decision, it’s best to read the terms and conditions which are available on application. The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you.



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    Business banking: small biz savings, business bank account.#Business #bank #account


    Small Biz MoneySaving

    Get Our Free Money Tips Email!

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    Business bank account

    Archived September 2016

    Business bank account

    Keeping small business bills down is easier than you think, using the same techniques you use for slashing household costs.

    This small business MoneySaving guide gives you the best business bank accounts and savings, utilities, phones, broadband, insurance and more.

    In this guide
    More in this guide

    What do I need to do when I set up a business?

    It’s a common question – who do you need to tell/register with to set up a business? This Gov.UK page has the basics of setting up the things you need, but, it won’t surprise you to hear that one of the first people you should tell is the taxman.

    HMRC has set up an online ‘e-learning course’ to help you with questions you might have about tax and national insurance, or how to start and keep the correct business records. It’s useful if you’re just setting up and helps you start with good business habits. Or see its list of business tax webinars, videos and other resources to help once you’re up and running.

    Best business bank accounts

    Once you’re registered, you’ll need to find a business bank account. Unlike personal bank accounts, which are usually fees-free if you’re in-credit, the opposite’s true for their business brothers. Charges of Ј25 per transaction are possible on top of monthly account fees, and this can be a nightmare. There are four steps towards beating these.

    Step 1: Use a personal account if you can

    If you are a sole trader (not a limited company), then you may be able to use your normal bank account for your business, with all the better terms that involves (though check your terms & conditions – some banks won’t allow this).

    However, using a separate, dedicated account could make your record-keeping a lot easier. It could also be a huge help if HMRC selects your tax return for an in-depth inquiry. For all the best buys, see the Top Bank Accounts guide.

    If you make a large number of transactions, deal with big sums, or need to regularly bank cash, then your bank may suggest getting a business account. If that’s likely, start with the right one straight away.

    Business bank account

  • Step 2: Lowest charge business bank accounts

    Three accounts stand out, based on charges:

    The Santander* Start Up Business Account offers unlimited free day-to-day transactions for a year – or 18 months if you’re already a Santander customer. It also pays 0.25% in-credit interest. After the end of the free period, you can choose from four different fees between Ј7.50 and Ј40/mth depending on monthly cash deposit withdrawal limits (you can choose from Ј1,000 to Ј10,000).

    NatWest’s Start-ups package has18 months of free unlimited transaction banking. After that, you revert to their standard tariff, at which point you pay per transaction. You can open the account if you started trading within the last 12 months, and the company’s turnover is less than Ј1 million. Apply online, or call 0345 413 5020.

    TSB also offers 18 months free banking if you’re a start up. The free banking includes paying in & taking out cash, paying in or issuing cheques, plus paying standing orders & direct debits. Services like CHAPS transfers will be charged for.

    These are effectively just like consumer bank accounts and have limited features. So if you need complex facilities, such as an account that automatically works with accounting software or need business assistance, you can get these from banks, but at a price.

    Business banking best buy comparison sites:

    Even if you can’t find one with the services you like at a low charge, don’t give up with business bank accounts. It’s often possible to negotiate with your bank to waive the charges, so long as you stay within set transaction constraints, for example, a maximum of 10 requests to process business cheques each month.

    Step 3: Minimise the charges you pay

    Whatever the account, make your first job listing the fees that apply to it. Ensure you (and any staff) are aware of them.

    Think about how you operate to minimise charges. Make sure you’re paid by BACS rather than cheque, stick to online banking, cut down on the cash you pay into the account, use automated transactions where possible and avoid using unauthorised overdrafts.

    Make sure you check the charges in your statement, it may also help you spot problems. For example, if you accept a cheque that’s been returned unpaid by the debtor’s bank, your bank will charge you an administration cost, and you won’t get the money due. So then you can chase the payment up, and ask them to pay the incurred charges too.

    Step 4: Sweep cash into savings

    If you’re in the fortunate position to build cash up in your account, be sure to have a business savings account linked to it. Then you can sweep the money into it to maximise interest (see below).

    Get Our Free Money Tips Email!

    For all the latest deals, guides and loopholes – join the 10m who get it. Don’t miss out



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