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Social sector banking

Earn competitive interest or streamline payment collections. Whether you're after credit, savings, transactional or merchant products, your linked Westpac accounts ensure fast efficient management and transfers of funds.

Business transaction accounts

A Business One Transaction Account is an easy option for paying money in, or taking money out.

Whether you are starting up, expanding or running a not-for-profit, we have a range of business bank accounts to help you:

  • Three account options: Low, High or Flexi, depending on how many branch or cheque transactions you do
  • Unlimited free electronic transactions on Business One - Low Plan and High Plan
  • Pay-as-you-go on Business One - Flexi
  • No withdrawal fees from over 53,000 of our Global Alliance ATMs
  • Link a Business Debit Mastercard®, with the ability to provide a limited access card to employees
  • Make and receive payments in a foreign currency without the need to convert each time by using a Foreign Currency Account
  • Everyday transaction account for not-for-profit organisations with a Community Solutions One
  • Park your surplus funds with a Community Solutions Cash Reserve account
  • An online-only savings account with a bonus interest rate when no withdrawals are made in a month using a Community Solutions Cash Reserve Bonus account.

Plus, save on establishment fees with any of our Merchant EFTPOS solutions. And receive funds the same day when you nominate a Westpac settlement account.

For more information visit Business Transactions Accounts or visit our dedicated Workplace Banking Website. Call our Workplace Banking Concierge line to speak to a workplace banking specialist on 1300 361 159 or email us at

Business credit cards

From everyday benefits of a low rate card, to cards that reward you for your everyday business purchases, we have a card for you.


For more information visit Business Credit Cards

Collect payments

Donations and membership fees are the lifeblood of community and Social Sector organisations. We provide you with Not for Profit merchant solutions to collect funds, including:

  • PayWay: Enable secure donations and payments via your website
  • Mobile EFTPOS Now: Lets you collect donations on the go
  • Integrated EFTPOS Connect: For everyday donations at your premises.


Talk to your Westpac Social Sector Relationship Manger today or email us on

Managing cash flow

Your Westpac Relationship Manager can assist you with the cash flow management of your business, connecting you with specialist bankers who can provide you with the right advice, including cash flow management, to ensure your business is operating to the optimum cash flow efficiency - including assistance with management of accounts payable and receivable.


For more information visit manage cash flow

Debt structure and capacity modelling

Our Specialist Bankers can provide you with debt capacity and debt structuring modelling. Based on your unique data and a range of scenarios, the results presented can simplify and assist in your investment and debt decision making process.


Talk to your Westpac Social Sector Relationship Manger today or email us on

BT Investment Solutions

Investing and growing wealth for the future. Whilst, investing is very different from saving, it can offer various opportunities, like building wealth to achieve future financial goals.


For more information visit BT Investment Solutions

Equipment and vehicle finance

We understand how important it is to have the latest equipment. We can help you finance equipment and motor vehicles without tying up large amounts of capital.


We offer a choice of terms to suit your cash flow needs and the life of the equipment, with a rate that is fixed for the term of the agreement, including a revolving facility that makes obtaining additional funds easier, with no capital outlay required.


For more information visit Equipment and vehicle finance


Purchasing property and business loans

As part of our commitment to providing specialised banking solutions, we have developed specific lending policies tailored to your unique requirements. Our lending policy allows you to use the value of your existing business to set up or expand - and we’ll recognise the value of your cash flow, goodwill and professional standing.


We have a range of products and services, specifically designed to help you invest in various property types. We provide competitive fixed interest rates to save you money and finance is available without tying up other business assets.


Talk to your Westpac Social Sector Relationship Manger today or email us on


For businesses of any size, our employer plan is simple to run and offers great value and benefits for your employees.


BT Lifetime Super Employer Plan makes it easy for you to help your employees prepare to live well now and in the future. It provides:

  • Flexible investment and insurance options to suit varied needs of employees
  • Financial wellbeing support and education for your employees
  • Easy online fund administration and payment solution
  • A default super fund that complies with the Australian Government MySuper requirements.


For those of your employees who want to manage their own super, BT’s Self-managed Superannuation enables them to set up, invest and manage their self-managed super fund, all in one place.


For more information visit business banking superannuation

Things you should know

Mastercard® and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

Business Debit Mastercard® Terms and Conditions (PDF 423KB)

This information is general information only and does not constitute any recommendation or advice. The information is current at 25 August 2017 and is subject to change. It has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on the information, consider its appropriateness, having regard to your objectives, financial situation and needs. You should also consider obtaining personalised advice from a professional financial adviser and your accountant before making any financial decisions in relation to the matters discussed herein.

Deposit Accounts for Business Customers Terms and Conditions (PDF 11MB)

Online Banking Terms and Conditions

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

BT Funds Management Limited ABN 63 002 916 458 AFSL No. 233724 RSE No. L0001090 is the trustee of the BT Lifetime Super - Employer Plan ABN 39 827 542 991, RSE R1001327 (Fund) and is the issuer of interests in the Fund. A Product Disclosure Statement (PDS) is available for the Fund and can be obtained by calling 132 135, downloading the Member Booklet and/or the Employer Booklet. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in the Fund.

An investment in the Fund is not an investment in, deposit with or any other liability of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) or any other company in the Westpac Group.  It is subject to investment risk, including possible delays in repayment and loss of income and principal invested.  None of the Bank, any other company in the Westpac Group or any appointment investment manager stands behind or otherwise guarantees the capital value or investment performance of the Fund.

You can download the Financial Services Guide for BT Lifetime Super Employer Plan (PDF 73kb) or obtain a copy by calling 132 135, visiting from any Westpac branch.