Best business bank accounts in Australia, according to AI.

The strongest all‑round business accounts in Australia right now come from CommBank, NAB, ANZ, Westpac, and leading digital alternatives like Airwallex and Revolut, which consistently rank highly for real‑world usage and features.

If you want the quick answer:

Best traditional banks: CommBank Business Transaction Account, NAB Business Everyday, Westpac Business One, ANZ Business Essentials. Best digital alternatives: Airwallex Business Account, Revolut Business. Best for savings: Rabobank Business High Interest Savings, Judo Bank Business Savings, AMP GO Business Save.

✅ Top Traditional Business Bank Accounts (Big Four)

These are the accounts most Australian businesses actually use, with broad branch networks and strong integrations.

Commonwealth Bank – Business Transaction Account

$0 monthly fee option when banking mostly online. Unlimited electronic transactions and free CBA ATM withdrawals. Strong business tools via CommBank Yello. Widely used due to reliability and nationwide branch access.

NAB – Business Everyday Account

$0 monthly fee for electronic‑only tier. Unlimited standard electronic transactions. Integrates with Xero and offers partner perks like Qantas Business Rewards. Popular for low fees and simple setup.

ANZ – Business Essentials

Unlimited ANZ ATM and electronic transactions. $0 monthly fee and small interest on balances over $5k. Discounts on MYOB/Xero and waived EFTPOS rental for 3 months. Good for businesses wanting interest plus Big Four stability.

Westpac – Business One

$0 monthly fee and unlimited electronic transactions. $100 welcome offer and MYOB/Lawpath perks. Strong online banking and accounting integrations. A common pick for digital‑first businesses.

✅ Best Digital & Fintech Business Accounts

These are increasingly popular for startups, e‑commerce, and global businesses.

Airwallex Business Account (Featured by Money.com.au)

Operates in 200+ countries, multi‑currency support. $0 monthly fees, low FX costs, fast global transfers. Designed for modern, international businesses. Frequently recommended for online sellers and global teams.

Revolut Business Account

Multi‑currency account with 30+ currencies. Plans from $15/month with scalable tiers. Integrates with Xero and 15+ tools. Strong for businesses needing international payments and team cards.

✅ Best Business Savings Accounts (High Interest)

If you want to earn interest on surplus cash:

Rabobank Business High Interest Savings

Up to 4‑month introductory rate on balances up to $1M. No monthly fees or minimum balance.

Judo Bank Business Savings Account

Competitive ongoing rates with no monthly deposit requirements. No hidden fees.

AMP GO Business Save Account

Strong ongoing interest with no deposit or growth requirements. No monthly fees and no withdrawal limits.

✅ Other Notable Business Transaction Accounts

These are strong alternatives depending on your needs:

Suncorp Business Premium Account — unlimited free electronic and staff‑assisted transactions. Bendigo Bank Business Basic Account — pay‑per‑use model for low‑transaction businesses. Great Southern Bank Business+ Account — unlimited electronic transactions, no monthly fee. People First Bank Business Access Account — unlimited free transactions and MYOB access.

✅ How to Choose the Best Account

Based on the comparison guidance Money.com.au+2, match your account to your business type:

Low‑transaction or sole trader: NAB Business Everyday ($0 fee), CommBank $0 option. Cash‑heavy business: Westpac, ANZ, or Bendigo (branch access). Global payments: Airwallex or Revolut. High balances: Rabobank or AMP GO Business Save. Growing teams: Revolut or Wise Business (multi‑user access).

If you tell me your business type (sole trader, company, e‑commerce, trades, etc.) and how you bank (cash deposits, international payments, high transaction volume), I can narrow this to the top 2–3 accounts for your exact situation.

Best Business Bank Accounts in Australia (2026)

Here's a rundown of the business accounts Australians actually use most, based on recent awards, fees, and market share:

🏦 The Big Four (most widely used)

1. NAB Business Everyday Account – Consistently rated a top pick for small businesses. NAB was awarded the Best Small Business Bank in Australia as part of the Digital Banker's 2026 Global SME Banking Innovation Awards, and offers a large range of digital products through the NAB Business Everyday account. Key features: $0 monthly fee, unlimited free electronic transactions (internet banking, app, BPAY), direct data feed to Xero and MYOB, up to 15 assisted transactions/month for $10, and a business debit Mastercard included.

2. Commonwealth Bank (CommBank) Business Transaction Account – The most popular big bank for everyday business banking. CommBank was named Business Bank of the Year 2026 by Money magazine and winner of Finder's Most Loved, Trusted, and Legendary Service Business Banking Products awards, with the largest customer base of the big four banks. It's $0 if you do all your banking online, or $10 per month for five in-person transactions.

3. ANZ Business Account (Essentials/Extra) – Great if you want branch/overdraft flexibility. ANZ won Canstar's Small Business Bank of the Year 2026 for the fifth consecutive year. ANZ Business Extra comes with unlimited fee-free electronic transfers and ATM transactions within Australia, a single business Visa debit card, and 20 cheque or staff-assisted transactions per month.

4. Westpac Business One Account – Westpac now offers a $0 monthly fee online-only option, so separating your finances doesn't have to cost you. Good if you want a choice between fully online or staff-assisted service tiers.

💼 Popular for Larger/Growing Businesses

Macquarie Business Transaction Account – A favourite for medium-to-large businesses. It's designed for medium- and large-sized businesses, has no monthly fee, includes unlimited domestic and international transfers and ATM withdrawals, with no FX markups — a big advantage for businesses dealing internationally. However, it requires a minimum balance of A$250,000.

🌍 Best for Online/International Businesses

Airwallex – Excels for global commerce, enabling local accounts in multiple currencies, straightforward FX, and no regular monthly fees, with test results showing 50%+ savings on cross-border transfers compared to major banks. Popular with ecommerce sellers using Shopify/Amazon.

Wise Business – Costs A$0 with a one-time A$65 fee for local accounts, offers FX from 0.63%, supports 22 currencies, and integrates with QuickBooks, Xero, FreeAgent, Odoo, Bonsai, and Zoho Books.

Revolut Business – Increasingly popular among Aussie freelancers and online sellers for low-cost multi-currency features.

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🏆 Quick Recommendations by Use Case

Bottom line: For most everyday Aussie small businesses, NAB and **Comm

Assuming you’re an Aussie business with an ABN, there’s no single “best” business bank account — it depends on whether you need branches/cash deposits, low fees, international payments, or interest on idle cash.

Here’s the short list of what Australian businesses actually use and recommend.

Quick picks

Top brands and products

1. Macquarie Business Transaction Account

Best for: most small businesses, sole traders, consultants, online businesses.
Why people use it: no monthly account fee, no transaction fees, good app, interest on your balance, easy Xero/MYOB integration.
Watch out: no branch network, so limited cash handling. Not ideal if you deposit cash regularly.

2. CommBank Business Transaction Account

Best for: all-rounder with branches, ATMs, merchant facilities, and cash deposits.
Why people use it: biggest branch/ATM network, strong app, CommBiz for payments, good accounting integrations, EFTPOS/merchant options.
Watch out: monthly account fee usually applies. Can be worth it if you need the network and bundle lending/merchant.

3. NAB Business Everyday Account

Best for: small business owners who want a strong business banking relationship.
Why people use it: NAB is often seen as the most business-focused of the Big 4, good relationship managers, NAB Connect, solid Xero/MYOB integration.
Watch out: monthly fee applies. Not the cheapest if you just want a basic account.

4. Westpac Business One Account

Best for: businesses already using Westpac for lending or merchant facilities.
Why people use it: Big 4 security, branches, business lending, merchant options.
Watch out: monthly plan fee and transaction allowances. Less popular with very small businesses than CommBank/NAB/Macquarie.

5. ANZ Business Extra

Best for: a solid Big 4 alternative, especially if you need trade finance or larger FX.
Why people use it: branch network, business lending, international trade services.
Watch out: monthly fee and transaction limits. Not usually the first pick for micro-businesses.

6. Bendigo Bank business account

Best for: regional/community-minded businesses that want branch service.
Why people use it: strong community reputation, local branches, business banking support.
Watch out: fees can be less competitive than Macquarie, and ATM network is smaller.

7. Bankwest Business Zero Transaction Account

Best for: no-fee everyday banking if you can still open one.
Why people use it: historically no monthly fee and free transactions.
Watch out: Bankwest is transitioning to CommBank, so check availability and migration terms before opening.

8. Airwallex Business Account

Best for: e-commerce, import/export, freelancers paid overseas, businesses with multi-currency needs.
Why people use it: no monthly fee, local AUD receiving details, multi-currency accounts, cheap FX, batch payments, virtual cards, Xero integration.
Watch out: not an Australian bank — funds aren’t covered by the Government Deposit Guarantee. Use it as a secondary account, not your main vault.

9. Wise Business

Best for: simple international payments and receiving AUD/USD/GBP/EUR.
Why people use it: no monthly fee, AUD account details, debit card, low FX fees, easy to use.
Watch out: not a bank, no FCS protection. Great for paying overseas suppliers, not for cash deposits.

10. Judo Bank Business Savings/Term Deposit

Best for: parking GST, tax, or surplus cash.
Why people use it: business-focused, competitive savings/term deposit rates, no monthly fees.
Watch out: no transaction account. You’ll still need a separate everyday account.

What most Australian businesses actually do

• Main everyday account: Macquarie if you want no fees and don’t need branches. CommBank or NAB if you need cash, branches, merchant, or lending.
• International/FX: Airwallex or Wise as a secondary account.
• Savings/tax: Judo or Macquarie Business Savings.
• Merchant/EFTPOS: CommBank, NAB, Westpac, ANZ, Tyro, Square, Zeller.

Important caveats

• Fees and interest rates change — always check the bank’s current T&Cs.
• Big banks, Macquarie and Judo are ADIs, so deposits are covered by the Australian Government’s Financial Claims Scheme up to $250,000 per account holder per ADI.
• Airwallex, Wise and Revolut are not banks in Australia, so they don’t have that protection. Don’t keep large balances there.
• Keep business money separate from personal money. Many owners also open a separate savings account for GST/PAYG.

My practical recommendation for most Aussie small businesses:
Open Macquarie Business Transaction Account as your main low-fee account. If you need cash deposits or branches, add CommBank or NAB. If you deal internationally, add Airwallex or Wise Business. For idle cash, use Judo Bank or Macquarie Business Savings.

In Australia, the "best" business bank account depends heavily on how your business operates. A local café handling physical cash has completely different needs than a Shopify store dropshipping globally, or a freelance copywriter looking for a simple tax-separation account.

The brands and accounts listed below are the ones Australian business owners actually use, categorized by what they do best.

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1. Best Traditional All-Rounder: NAB (National Australia Bank)

• Product: Business Everyday Account ($0 monthly fee option)
• Best for: Small businesses and sole traders wanting a reliable "Big Four" bank without the fees.

Why people actually use it: NAB is consistently rated as one of Australia's best banks for small businesses. While other major banks often limit the number of free monthly transactions on their $0-fee accounts, NAB's Business Everyday Account offers unlimited free electronic transactions. You only pay if you use paper cheques or require staff-assisted in-branch transactions.

• Key Features:
  • $0 monthly account-keeping fee.
  • Free, unlimited electronic transactions (deposits, transfers, direct debits).
  • Direct, seamless integration with major accounting software like Xero and MYOB.
  • Access to NAB’s massive network of branches and ATMs across the country.

2. Best for App Tech & Merchant Services: CommBank (CBA)

• Product: Business Transaction Account ($0 monthly fee option)
• Best for: Brick-and-mortar retail, hospitality, and business owners who value top-tier app design and payment terminals.

Why people actually use it: CommBank is Australia’s largest bank, and its digital platform (the CommBank app) is widely regarded as the best banking app in the country. If you have a physical storefront, CommBank is incredibly popular because they bundle their accounts seamlessly with their smart EFTPOS terminals (like CommBank SmartPay).

• Key Features:
  • $0 monthly account fee for the digital-only option (or $10/month if you need assisted over-the-counter branch transactions).
  • Highly intuitive cash flow tracking tool inside the app.
  • Competitive merchant rates (such as their 0.99% flat merchant service fee per transaction for standard card payments).
  • Access to "CommBank Yello," their business loyalty and rewards program.

3. Best for High Interest & Digital Banking: Macquarie Bank

• Product: Macquarie Business Transaction & Savings Accounts
• Best for: Businesses that hold a cash buffer and want to earn passive interest without locking money in term deposits.

Why people actually use it: Macquarie has captured a huge chunk of the Australian market by offering a premium, digital-first banking experience. Since interest rates are a major focus for businesses keeping cash reserves, Macquarie is a favorite because they pay highly competitive interest rates on business cash.

• Key Features:
  • $0 monthly account-keeping fees.
  • High-interest rates: Their Business Savings Account pays up to 5.25% p.a. on balances up to $250,000, while their everyday transaction account pays a rare and highly competitive 3.00% p.a..
  • Fast, modern search functionality in their online banking portal (which makes searching past tax invoices incredibly easy).
  • No fee for using any major bank’s ATM in Australia.

4. Best for eCommerce & Global Tech: Airwallex

• Product: Airwallex Business Account
• Best for: Online stores, SaaS startups, and companies paying international suppliers or software subscriptions.

Why people actually use it: Airwallex is an Australian-born fintech success story that has become the default choice for the local tech and eCommerce scene. Traditional banks charge massive exchange rate markups (~3%) and foreign transaction fees on corporate cards. Airwallex completely bypasses this by letting you create local bank accounts globally (USD, GBP, EUR, etc.) and issue physical/virtual cards with zero international transaction fees.

• Key Features:
  • $0 monthly fee (if you deposit $5,000/month or hold a $10,000 balance; otherwise $29/month).
  • Issue unlimited virtual employee cards with custom spending limits.
  • Syncs automatically with Xero, Shopify, PayPal, and Stripe.
  • Interbank exchange rates (massively cheaper than traditional banks for converting currency).

5. Best for Freelancers & Solopreneurs: Wise Business

• Product: Wise Business Account
• Best for: Sole traders, contractors, and freelancers working with international clients.

Why people actually use it: If you are a freelance developer, designer, or consultant in Australia getting paid by clients in the US, UK, or Europe, Wise is an absolute lifesaver. It gives you local bank details in multiple countries so foreign clients can pay you via domestic transfers (e.g., ACH in the US). You can then convert that money back to AUD at the true mid-market rate.

• Key Features:
  • No monthly fees (there is just a one-off setup fee of around $30 AUD to get your local bank details).
  • Extremely transparent FX rates with no hidden markups.
  • Virtual cards for online business purchases.
  • Direct integration with Xero to auto-reconcile multiple currencies.

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Quick Comparison Checklist: Which one should you open?

The best business bank accounts in Australia are offered by the major "Big Four" banks—Commonwealth Bank (CBA), National Australia Bank (NAB), ANZ, and Westpac—alongside competitive digital and regional alternatives like Macquarie Bank and Suncorp Bank.

Top Business Bank Accounts

Commonwealth Bank (CBA) Business Transaction Account: Best for all-in-one services and comprehensive branch/ATM access, featuring $0 monthly account-keeping fees for electronic banking. NAB Business Everyday Account: Best for small businesses needing low-cost electronic transactions, offering a $0 monthly fee tier and seamless integration with accounting software. ANZ Business Essentials: Best for straightforward digital banking with $0 monthly maintenance fees on electronic transactions. Westpac Business One: Best for flexibility, offering a $0 monthly fee option with unlimited electronic transactions and extensive merchant facility support. Macquarie Business Savings & Transaction: Best for digital-first operators and asset management, providing strong interest rates on cash and intuitive digital tools.

Key Factors to Consider

Cash Handling: If your business deals in physical cash and cheques, the Commonwealth Bank or NAB networks provide the most physical branches and coin-deposit machines. Software Integration: Most modern business accounts sync directly with accounting platforms like Xero or MYOB for automated reconciliation. Monthly Fees: Check for conditional fee waivers (e.g., maintaining a minimum balance or keeping transactions strictly electronic) to avoid eating into margins.

If you can tell me your industry type and whether you need cash deposits or POS facilities, I can recommend the exact account tier that fits your volume.

The best business bank accounts in Australia depend on your need for cash handling, high interest, or multi-currency features.

✅ Major Banks (Best for Branch Access & Cash)

National Australia Bank (NAB) Business Everyday Account offers a $0 monthly fee option, unlimited electronic transactions, and strong Xero integration. Commonwealth Bank (CommBank) Business Transaction Account provides an extensive ATM and branch network with integrated merchant tools and platform support. Westpac Business One features flexible fee structures and online-only fee waivers for everyday digital banking. ANZ Business Essentials Account delivers straightforward payment processing and unlimited electronic transactions for small businesses.

💡 Digital & High-Interest Options (Best for Growth & Tech)

Macquarie Business Savings Account charges no monthly fees and provides top-tier interest rates on operating cash. Zeller Transaction Account combines fee-free daily banking with built-in sub-accounts, invoicing, and expense management tools.

🔎 International & Multi-Currency (Best for Global Trade)

Airwallex Business Account allows holding multiple foreign currencies and cheap international transfers with low FX costs. HSBC Everyday Global Business Account supports global multi-currency accounts and cross-border vendor payments.

Further Exploration:

Compare criteria and awards via. Check fee breakdowns on. Read independent user experiences on Reddit AusFinance.

If you tell me your business structure (sole trader vs. company) and whether you need cash deposits, I can pinpoint the exact right account for you.

The best business bank accounts in Australia depend on your business size, transaction volume (especially in-branch vs online), need for branch access, accounting integrations (like Xero or MYOB), and whether you handle international payments.

Most Aussies running small-to-medium businesses stick with the major banks (the “Big Four”) for their reliability, branch networks where needed, and strong digital tools. Fintech options like Airwallex or Wise are popular for international or low-fee users.

Top Recommendations People Actually Use

Here are the standout options based on recent comparisons, awards, market share data, and user-focused reviews (as of mid-to-late 2026 data):

• NAB Business Everyday Account — One of the most popular and frequently recommended for everyday small business use.
  $0 monthly fee on the online plan, unlimited free electronic transactions (internet, app, BPAY), direct feeds to Xero/MYOB, and a debit Mastercard. Assisted/in-branch transactions attract fees (e.g., around $3 each after allowances). Strong market position as a leader in business lending.
  Best for: Most small businesses focused on digital banking with occasional branch needs.

• CommBank (Commonwealth Bank) Business Transaction Account — Very widely used due to the largest customer base among the majors and excellent app/branch access.
  $0 monthly fee for the online-only option (or $10 with some assisted transactions included). Good integrations and widespread ATMs/branches. Often praised for service and reliability.
  Best for: Businesses wanting easy branch access or strong digital tools alongside a big network.

• Westpac Business One Account — Solid all-rounder with flexible plans.
  $0 monthly fee for the online-only version (or a higher plan with more assisted transactions). Good integrations and growing in business banking.
  Best for: Users who value choice between fully digital and some in-person support.

• ANZ Business Essentials (or similar transaction accounts) — Strong performer in small business satisfaction.
  Often $0 or low monthly fee options with flexible features like optional overdrafts on some plans. Multiple Canstar Small Business Bank of the Year wins highlight its online platform and overall value for smaller operators.
  Best for: Small businesses prioritising service and flexibility.

Other strong contenders:

• Macquarie Business Transaction Account — Frequently highlighted for $0 fees (with conditions like minimum balances in some cases), no or low electronic fees, and competitive interest on linked savings. Good for fee-conscious digital users.
• Heritage Bank or Suncorp — Canstar award winners for outstanding value on business transaction accounts, with no monthly fees and minimal charges on common transactions (including some in-branch).
• Airwallex or Wise Business — Popular fintech alternatives for businesses with overseas payments. Low or competitive FX fees, multi-currency accounts, and strong integrations. Airwallex is often noted for global features; Wise for straightforward low-cost transfers.

Quick Tips for Choosing

• Market reality: NAB leads in business lending market share, followed closely by CommBank, with Westpac and ANZ also major players. These are what most businesses actually use day-to-day.
• Many now offer true $0 monthly fee online plans — the real costs come from in-branch/assisted transactions or international fees.
• Check accounting integrations, overdraft options, and debit card features.
• Awards like Canstar (value/satisfaction) and Finder/Mozo comparisons are useful starting points.
• Fees and rates change, so verify directly on the bank’s site or comparison tools like Finder or Canstar. Consider your specific needs (e.g., cash handling, international trade) before deciding.

If you share more details about your business (e.g., turnover, international activity, or branch needs), I can refine these suggestions further. Always compare the latest terms!

Short answer: the best “default” business account in Australia

For most Australian small businesses, I’d start with NAB Business Everyday Account — $0 monthly fee option. NAB is the most business-focused of the Big Four, says it supports one in four Australian SME businesses, and its account has $0 monthly fee, unlimited standard NAB electronic/NAB ATM transactions, and accounting-data feeds. (nab.com.au)

If you want the practical, real-world shortlist, I’d compare these:

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My actual recommendation

If you’re a typical Australian small business

Use:

NAB Business Everyday Account + a separate savings account for tax/GST/payroll reserves.

NAB is the most obvious “people actually use this” choice for business banking. Its $0 monthly fee option includes unlimited electronic transactions, while banker-assisted branch/post-office transactions are charged separately. (nab.com.au)

If you already use CommBank personally

Use:

CommBank Business Transaction Account.

The CommBank account is easy to justify if you already use NetBank or the CommBank app. It has a $0 online option, a $10/month branch option with 5 assisted transactions included, a free Business Visa Debit Card, and good merchant/payment ecosystem support. (commbank.com.au)

If you run mostly online and want a Big Four account

Use:

Westpac Business One.

It’s clean and simple: $0 monthly fee, $0 standard electronic transactions, accounting-software integration, and a $3 staff-assisted branch transaction fee. (westpac.com.au)

If you do international business

Use:

NAB or CommBank for your main AUD business account + Airwallex or Wise for FX.

Airwallex is better for a growing company with multiple currencies, staff cards, subscriptions, global suppliers or eCommerce. Wise is better for a sole trader or consultant who just needs cheap international receipts and transfers. Airwallex is not an ADI/bank and says funds are not covered by the $250k Financial Claims Scheme; Wise also says the Wise Account is not FCS-covered. (airwallex.com)

If you take lots of card payments in-store

Use:

Tyro if you already like its EFTPOS terminals, or compare with CommBank, NAB and Westpac merchant facilities. Tyro’s transaction account is built around receiving daily takings from a Tyro Electronic Payments Facility and offers seven-day settlement of Tyro-settled funds. (tyro.com)

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Honourable mentions: good value, but less “default”

Canstar’s 2026 Outstanding Value – Business Transaction Accounts winners were Heritage Bank, Regional Australia Bank and Suncorp Bank, based on value across fees, features and common business transactions. These are worth checking if you’re in their footprint or you do a lot of branch/cash banking. (canstar.com.au)

For business savings, Canstar highlighted providers including AMP Bank, AMP Bank GO, Great Southern Bank, Judo Bank and Macquarie Bank. If you hold tax/GST/payroll reserves, a separate business savings account can matter more than optimising the transaction account. (canstar.com.au)

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The setup I’d use for most small businesses

Simple setup:

1. Main account: NAB Business Everyday or CommBank Business Transaction Account
2. Tax/GST reserve: Macquarie Business Savings, AMP/AMP GO, Judo, or another high-interest business savings account
3. International add-on: Airwallex or Wise only if you actually receive/pay foreign currency
4. Merchant facility: Compare Tyro, Square, Stripe, CommBank, NAB, Westpac depending on card volume and settlement needs

Also: if you operate as a partnership, company or trust, you generally need a separate business bank account for tax purposes; sole traders aren’t required to have one, but it’s still cleaner for bookkeeping. (business.gov.au)

Finally, for actual bank deposits, check Financial Claims Scheme coverage. APRA says eligible deposits with Australian-incorporated ADIs are protected up to $250,000 per account holder per ADI; fintech wallets and investment-style products may not be covered the same way. (apra.gov.au)

If you want the best business bank accounts in Australia that people actually use, the standout names are CommBank, Westpac, NAB, ANZ, and Macquarie for mainstream business banking, plus Wise, Airwallex, and OFX if your business does a lot of international payments or multi-currency work.

The best choice depends on how you bank:

• Best overall mainstream options: CommBank, Westpac, and NAB are repeatedly highlighted as strong all-rounders with broad access and integrated tools.
• Best for low-fee online banking: Westpac Business One, NAB Business Everyday, and ANZ Business Essentials are all commonly cited as $0 monthly fee options when used mainly online.
• Best for accounting integration: ANZ Business Essentials is noted for accounting software integration, including Xero, and CommBank/Westpac/NAB are also strong for integrated tools.
• Best for international and multi-currency needs: Wise Business, Airwallex, and OFX are the most relevant picks because they emphasise foreign currency support and cross-border payments.

A practical shortlist for most Australian small businesses would be:

• Westpac Business One — strong mainstream choice, $0 monthly fee if you bank mainly online.
• NAB Business Everyday Account — widely used, $0 monthly fee online-focused account with free electronic and ATM transactions.
• ANZ Business Essentials — good no-fee online option with accounting software integration.
• CommBank Business Transaction Account — good if you want a big branch network and a familiar all-round business bank; it has a $0 online option but branch banking costs more.
• Macquarie Business accounts — useful if you want to compare transaction, savings, and cash management accounts in one ecosystem.
• Wise Business — best if you invoice or pay in multiple currencies.
• Airwallex — strong for modern business banking, especially if you want lower-fee international operations and payment flows.
• OFX Business accounts — another solid choice for businesses with foreign currency and international transfer needs.

If you want a simple recommendation:

• Most small Australian businesses: start with Westpac Business One or NAB Business Everyday.
• If you need branches and a big bank: choose CommBank or Westpac.
• If you do overseas sales or payments: choose Wise or Airwallex.

If you want, I can turn this into a ranked top 5 based on your business type, such as sole trader, company, e-commerce, trades, or startup.