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	Westpac Business Flexi	Westpac Business Cash Reserve	Westpac Business Cash Reserve Bonus
Interest rate %p.a.1
$0 - $9,999	[[Rates#BIZBA\|Business Flexi - up to 9999.BFLX10.InterestRate{none}]]	0.01	0.01
$10,000 - $19,999	[[Rates#BIZBA\|Business Flexi - 10000 to 19999.BFLX20.InterestRate{none}]]	0.4	1.05
$20,000 - $49,999	[[Rates#BIZBA\|Business Flexi - 20000 to 49999.BFLX50.InterestRate{none}]]	0.4	1.05
$50,000 - $99,999	[[Rates#BIZBA\|Business Flexi - 50000 to 99999.BFLX100.InterestRate{none}]]	0.4	1.05
$100,000 - $249,999	[[Rates#BIZBA\|Business Flexi - 100000 to 249999.BFLX250.InterestRate{none}]]	0.4	1.05
$250,000 - $499,999	[[Rates#BIZBA\|Business Flexi - 250000 to 499999.BFLX500.InterestRate{none}]]	0.4	[[Rates#BIZBA\|Business Cash Reserve Bonus - with bonus - 500K .BCRB500 .InterestRate{none}]]
$500,000 plus	[[Rates#BIZBA\|Business Flexi - 500K .BFLX500 .InterestRate{none}]]	[[Rates#BIZBA\|Business Cash Reserve - 500K .BCR500 .InterestRate{none}]]	[[Rates#BIZBA\|Business Cash Reserve Bonus - with bonus - 500K .BCRB500 .InterestRate{none}]]
Bonus interest
Bonus interest (including base rate)	N/A	N/A	4.95%p.a. if no withdrawals in calendar month and minimum balance is $10,0002
Fixed interest bonus	N/A	N/A	N/A
Account fees
Monthly service fee	NIL	NIL
Free transactions per month	NIL	Unlimited transfers between other Westpac linked accounts³	Unlimited transfers between other Westpac linked accounts³
Transaction fees
Self-service (electronic) withdrawals4	$0.50	NIL^5,6	NIL^5,6
Self-service (electronic) deposits	$0.50	NIL^5,7	NIL
Cheques written	$1.00	N/A⁸	N/A
Cheques collected/deposited9	$1.00	$2.50	$2.50
Staff-assisted withdrawals10	$2.50	N/A⁸	N/A⁸
Staff-assisted deposit	$2.50	$2.50	$2.50
Account access
BPAY (bill payments)
Business Online Banking
Business Telephone Banking
Cheque
Westpac Business Debit MasterCard/Handycard
Periodical payments
Features
eStatements available

Things you should know

Credit interest, where applicable, is calculated daily and credited to the account monthly in arrears, on the last business day of each calendar month. Balances in your account on and after the last business day of the month, including deposits made to your account on or after the last business day of the month, will not be included in the interest rate calculation for that month, but the interest rate calculation for the following month.
Both bonus interest rate and base interest rate are variable and may change at any time. Bonus interest is paid upon customer not making any withdrawals during the calendar month. Balances in your account on and after the last business day of the month, including deposits made to your account on or after the last business day of the month will not be included in the interest calculation and interest rate applicable for that month, but in the interest calculation and interest rate applicable for the following month. See terms and conditions for further information.
Unlimited transfers between other Westpac business accounts held by the customer in the same names(s), using Business Online or automated Business Telephone Banking only.
EFTPOS and ATM withdrawal fees are not applicable if your business account does not have card access.
Transfers between linked Westpac accounts only.
Electronic withdrawals (excluding periodical payments) from a Westpac Business Cash Reserve, Westpac Self Super Online or Westpac Business Cash Reserve Bonus account to an account other than a Westpac Business account held in the same name are not allowed. If such a withdrawal occurs, a $5.00 fee applies per transaction. For periodical payments, refer to associated account fees and charges.
Electronic deposits into a Westpac Business Cash Reserve Bonus from an account other than a Westpac Business account held in the same name, incur a charge of $5.00 per transaction.
These channels are not available, however if these transactions occur for each transaction a $5.00 fee will be incurred.
A deposit to an account with two cheques will count as three transactions, one for the deposit (which is charged as branch transaction) and one for each cheque lodged because each item required individual processing.
The branch staff-assisted electronic fee is not applicable if your business account does not have card access.