Zeller already helped you grow your business, now we’re helping you grow your account balance. Whether you’re an established business owner or are just about to launch your new venture, there’s never a bad time to reassess how your business finances are organised. By now you will most likely have  opened a business transaction account but have you considered a business savings account? With a better interest rate than the big-4 banks, a Zeller Savings Account can help you grow your business savings faster. You'll earn an amazing 2% p.a. interest rate with a Zeller Savings Account . Whether you’re looking to upgrade your coffee machine, give your shop a new fit out, or purchase a new delivery vehicle, a savings account will help get you there. Read on to discover five ways a business savings account can help bolster your business. 1. It can serve as an emergency fund If COVID-19 taught us anything, it’s that you never know what’s around the corner. If you want your business to be able to better survive unexpected events, it’s very important that your business has a cash reserve. By adding funds regularly to a savings account that earns interest, you are building a buffer that your business can use through unforeseen expenses, such as an important piece of equipment breaking down, a legal battle, a sudden increase in operational costs or an economic downturn, for example. 2. It can help manage poor cash flow According to The Invoice Market’s research , cash flow is the number one issue affecting small to medium businesses across Australia, with more than a third of them having to dip into their own personal savings to keep their business afloat. By moving funds into a savings account, you can contribute to building your businesses' resilience. Late payments, rising overheads, overstocked inventory or seasonal fluctuations are all common causes of poor cash flow; having some extra funds to see you through these leaner times will help give your business more stability. 3. It can help you avoid tax stress As a business owner, it is your responsibility to manage your tax obligations. If you do not have an organised approach to earmarking tax funds and declaring your turnover, you may end up with an unforecasted tax bill that could cripple your business. One great way of managing funds for not yet paid tax obligations is to put them into an interest-earning account before you need to pay the tax office. Not only will you have set aside cash to meet your tax obligations, but you will also have earned interest on it. 4. It can improve your position to borrow Even if you’re not currently planning on taking out a business loan, it might be something you choose to do in the future – so it’s important to consider your credit rating. When a lender is assessing whether or not to lend you money, they look at how much risk they are taking on. This ‘risk’ is what is known as your credit rating. In ascertaining your credit rating, they might assess your cash flow and your cash on hand. A savings account can therefore assist in providing this context to a lender. 5. It can help finance future investments Interest rates on savings accounts may not be very high, but they still offer a way to earn some passive income on idle funds. The extra cash that you earn from interest can be invested back into your business: whether you use it for purchasing new equipment, upgrading your technology, or helping to fund an advertising campaign, over time, these purchases can make a considerable difference to your business. While the day-to-day running of your business can be all consuming, making a contribution each week to a savings account can set you up for future expansion by earning you money in the background. How does a Zeller Savings Account compare to the big-4 banks? COMPARE BUSINESS SAVINGS ACCOUNTS *Interest rates current at 10 June 2025. Terms apply . Don’t let your business savings sit in a big-4 bank account. With Zeller’s competitive interest business savings account , not only will you earn a better return on your savings without a minimum balance requirement, but you will also benefit from a whole ecosystem of financial services and business products. From securely holding your money to accepting payments, managing expenses and tracking your cash flow, Zeller’s suite of financial tools lets you tailor your solution to your business needs. With everything consolidated into one reliable platform, you can accept, settle, spend, and track your funds faster, leaving you more time to run your business. Disclaimer: The information provided on this site is for general informational purposes only and should not be considered as advice that takes into account your business needs and objectives. If you are unsure, seek the advice of a qualified accountant or financial service advisor before deciding whether a savings account is right for your business.

Business spending and tracking should be simple, yet many traditional banks’ business debit cards lack important features while also having unnecessary fees and restrictions. In this article we compare the best business debit cards in Australia for 2025, including those issued by the big-4 banks, and the Zeller Debit Card – our smarter, modern alternative that’s designed to help you better manage your business spending. Compare Zeller Debit Card to the big-4 banks. Say goodbye to monthly debit card fees. Traditional banks may charge account fees of up to $10 per month, just for the benefit of managing your own money the way you want. With Zeller, there are no hidden fees attached to our transaction accounts or business debit cards – just seamless spending online and in-store with a fully featured, cost-free business debit card. Effortless money management via Zeller Dashboard and Zeller App. Unlike traditional banking apps which can be clunky and outdated, Zeller’s intuitive dashboard and app give you full control over your spending. View and manage cards, check balances, track purchases, lock cards and manage security, and set spending limits across multiple Zeller accounts in real-time with ease from either Zeller Dashboard or Zeller App . Powerful reporting and analytics. Unlike traditional banks that provide only basic transaction summaries, Zeller lets you delve deep into your business debit card spending for useful insights into your cash flow. Get an overview across all your cards and filter or export transactions by date, amount, category, vendor, transaction status, and more, giving you a clear financial picture to plan ahead for your business. Advanced security and fraud protection. With scams on the rise, you can put your mind at ease knowing that Zeller Debit Card transactions are processed with multiple layers of secure encryption and authorisation, including multi-factor authentication. Instantly lock or report lost or stolen cards via the Zeller Dashboard or Zeller App, ensuring your funds remain secure. Transaction tracking and reconciliation made easy. Business expenses vary, from buying the essentials like office supplies to recurring payments to suppliers and more. With Zeller, you can attach customer, supplier or vendor profiles to transactions, build a contact directory , attach receipts, and streamline your bookkeeping with direct integration to Xero Bank Feeds, eliminating the need to manually import transaction details. Instantly issue unlimited business debit cards. Many traditional banks limit the number of business debit cards you can have per account or have restrictive requirements when you’re ordering additional cards. With Zeller, you can issue unlimited physical and virtual business debit cards instantly from the Zeller Dashboard or Zeller App. This is perfect for businesses looking to streamline expense management, empower employees with controlled spending, and ensure fast access to funds without needing reimbursements or petty cash. Virtual business debit cards for modern businesses. Once you’ve ordered a new virtual card, you can add it to your Apple or Google Wallet and start spending online or in-store immediately. Using virtual cards adds another level of financial protection because the technology disguises sensitive card data and ensures that your actual card information cannot be used or stored by the payment processor. Managing a large team? Try Zeller Corporate Cards. For businesses with multiple employees, Zeller Corporate Cards provide a streamlined way to manage spending. Issue individual or project-based cards, set custom spending limits, and automate budgets. No manual staff reimbursements, just real-time cash flow tracking. Try it free for 60 days, then it’s just $9 per active card per month thereafter. No more tedious bank visits. Issuing Zeller Debit Cards and opening a Zeller Transaction Account is free, fast and can be completed online in minutes – no need to wait in line at a bank or fill out lengthy paperwork. Plus, Zeller’s 24/7 support team is always available if you ever need some extra help. Say goodbye to your outdated business bank debit card and hello to cost savings and powerful features the big-4 banks simply can’t match. Switch to Zeller Debit Card today. It’s completely free to open a new account and start using Zeller Debit Card. Say goodbye to your outdated business bank debit card and hello to cost savings and powerful features the big-4 banks simply can’t match.