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Accounts & cards.
Keep on top of your business cashflow, everyday expenses, and income with accounts and cards designed to work the way you do.
Everyday business accounts and overdrafts.
Looking for a business credit card or prepaid card, but which one?
Airpoints™ Business Mastercard® and BusinessPLUS Mastercard® give you rewards for purchases and are suited to small and medium-sized enterprises (SMEs), sole traders, and partnerships.
Keep spending, cashflow, and reporting under control with Westpac Business Mastercard®, Business Prepaid Mastercard®, and Go to Pay®. Reward staff or customers with Business Prepaid cards.
The right business card for the way you work.
Eligibility and lending criteria, exclusions, terms and conditions apply. See the specific product page for more information.
Save on business expenses with your Westpac Mastercard.
Access special offers from well-known brands with your Westpac Business Mastercard or BusinessPLUS Mastercard with hotpoints - it’s free and simple.
Other ways we can help your business.
Foreign currency accounts
Hold and manage currencies to take advantage of the right exchange rates.
Non-profit organisation account
Everyday banking made simple for charities and community groups.
Why Westpac?
24/7 protection
With CardGuard®, you're protected 24/7 from fraudulent activity1. You can use your card anywhere, anytime and leave your worries behind.
Smart ways to pay
Choose from Apple Pay2 or Google Pay™3 or use your hotpoints with hotpoints Pay®4.
Track your spending
CashNav® lets you track and categorise your spend so you can see where your money is going and better understand your spending habits.
Frequently asked questions.
Things you should know.
Lending criteria, terms and conditions apply. Line of credit charges and interest rates apply to all overdrafts. An establishment fee may apply.
Business lending products are only available for business and/or investment purposes and not for personal, domestic or household purposes.
1 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card's Conditions of Use.
2 Apple Pay is available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Apple device. For a list of compatible Apple Pay devices, see Apple Support. Terms and conditions apply to Apple Pay, see Westpac Apple Pay Terms and Conditions for more information.
3 Google Pay is available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Android device. For a list of compatible Google Pay devices, see Google Support. Terms and conditions apply to Google Pay, see Westpac Google Pay Terms and Conditions for more information.
4 hotpoints terms and conditions apply. Certain purchases and transactions are not eligible to earn hotpoints. See the applicable Credit card Conditions of Use for details.
You must be a member of Air New Zealand's Airpoints programme to earn Airpoints. Airpoints terms and conditions apply. See Airpoints terms and conditions. The following purchases and transactions do not earn Airpoints Dollars™ or Status Points (see the applicable Credit Card Conditions of Use for full details): cash withdrawals, payments for cash equivalents (e.g. travellers' cheques, money orders and gambling chips) and business-related purchases made with a Westpac Airpoints credit card other than a Westpac Airpoints Business Mastercard. Status Points earned on applicable credit cards only. Lending criteria, terms and conditions and fees and charges apply to Airpoints Business Mastercards. See Westpac Airpoints Credit Card Conditions of Use and Business Transaction and Service Fees brochure.
Business credit card products are only available for business and/or investment purposes and not for personal, domestic or household purposes.
You will be personally responsible for all credit extended by Westpac under a hotpoints BusinessPLUS Mastercard and/or Airpoints Business Mastercard, irrespective of whether a business name appears on the card.
If you only make the minimum repayment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.
hotpoints and hotpoints Pay are registered trademarks of Westpac Banking Corporation.
Airpoints™ and Airpoints Dollars™ are registered trademarks of Air New Zealand Limited.
Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Terms and conditions
Eligibility criteria, lending criteria, terms and conditions apply. See: