Less Time Banking, More Time Building: Meet Zeller For Startups.

Australia’s first all-in-one financial stack for founders, by founders.

Australia’s startup ecosystem is entering a new area of investment speculation following the May 2025 federal election, with the Labor Government’s proposed tax on unrealised gains on superannuation balances exceeding $3 million, foreshadowing a potential impact on future investment in early-stage startups.

Self-managed superannuation funds have historically played an essential role in the Australian startup sector. Concerningly, the government’s proposed policy agenda may spell a risk in future investment, which has been flagged by startup advocacy groups, VCs, and local founders.

With early-stage startups searching for greater control and visibility over their finances to support them in this emerging landscape, we’re proud to have deployed an all-new solution – designed for founders, by founders.

Introducing Zeller for Startups, a free, purpose-built solution that combines every financial tool a founder needs to start and scale. From business accounts and spending cards to high-interest accounts and expense management, Zeller for Startups brings all your cash inflows and outflows into one place, delivering powerful real-time financial oversight. By unifying these tools, Zeller for Startups removes the need to juggle multiple disparate finance applications, and reduces the reliance on outdated banking products built for traditional, bricks-and-mortar businesses.

Zeller for Startups was inspired by the experience Zeller’s founding team had in the early days of establishing and navigating Australia’s outdated business banking landscape. With a recent Zeller survey finding that 9 out of 10 (91%) of Australian founders don’t believe the big-4 banks offer financial products designed to help them launch and scale, it’s clear to see these pain points are clearly also felt by the wider startup community.

The only all-in-one financial solution for Australian founders.

Say goodbye to wasting countless hours setting up and bouncing between bank accounts, excel sheets, and expense trackers. When you open a Zeller for Startups account, you get instant access to a fully integrated cash flow and financial management solution, including:

• Feature-rich digital business accounts: Manage and separate funds across teams, projects, expenditure and capital by creating free, unlimited business transaction accounts in minutes, without the need to visit a bank branch. Every individual business account comes with its own BSB and account number, and is armed with BPAY payments, transaction notes for streamlined reconciliation, and instant, real-time fund transfers.

• Unlimited startup debit cards: Issue free unlimited virtual or physical Zeller Debit Cards, with no monthly fees or charges. Debit cards can be issued to founders or team members instantly, enabling you to spend in-person or online, pay for recurring software subscriptions, and attach notes or invoices to transactions for enhanced expense tracking. As an exclusive benefit for Zeller for Startups founders, you can even customise your debit cards by adding your logo, giving your brand an extra early-stage boost.

• High-interest savings on your capital: You’ll earn  a competitive 3.2% p.a. standard variable rate on funds stored in a Zeller Savings Account. Unlike a term deposit, funds saved with Zeller are never locked-in – so you can make your spare capital work harder, while retaining the flexibility to access and spend your funds whenever you need.

• Real-time expense management: Track every expense with Zeller Corporate Cards, which is completely free to founders for the first 12 months. Zeller Corporate Cards can be issued instantly from Zeller App and Dashboard, with spend limits and recurring budgets applied giving you greater control over how and when your team spends. Transactions are automatically categorised to simplify your bookkeeping and keep you on top of your cash flow.

• Exclusive partner perks: Founders using Zeller for Startups enjoy discounts on popular business tools to help kickstart their growth. For example, save 90% on Xero accounting software for 6 months, get 3 months free of Employment Hero’s HR platform, and access discounted tax compliance packages from POP Business.

How to get up and running with Zeller for Startups.

1. Create your free Zeller account. Sign up for a free account in minutes. It’s fast, fully online, and takes far fewer steps than opening an account with a traditional bank.

2. Set up your finances. Tailor your Zeller for Startups account to suit your business. You can create  separate transaction accounts for specific purposes  (e.g. for operating cash, or an account to store founding capital), design and issue free debit cards, and build your expense categories. You can instantly send virtual cards to your team with defined spending limits when you’re ready for them to start spending.

3. Start tracking your finances. Once your account is set up and funds added, you can start using Zeller for Startups as your primary financial solution.

We’d love to hear your feedback. If there are products or features you’d like to see included in your Zeller for Startups account, please get in touch with us at startups@myzeller.com.