Cash management

Whether your business invoices monthly, or operates on cash sales over the counter or on the go, great cash management is crucial. We have solutions to help.

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Great reasons to choose us

  • A choice of transaction and savings accounts to suit your business
  • Smart Debit – your customers have the convenience of receiving notification of each direct debit, you have the convenience of improving your cash flow
  • 7-day settlement – payments for your EFTPOS and credit card sales come through every day, even on the weekend
  • Manage your accounts online from the office or while you’re out growing your business, on your mobile phone

How it works

Good cash management is about choosing the best options to keep your business ticking along.

Are your sales invoice based?

You may experience peaks and troughs in your payments if your billing cycle is monthly. The key to good cash flow is to smooth out and speed up your invoice payments. Smart debit and automatic payments are easy ways for your customers to pay electronically, reducing paper which slows down your cash.

Are your sales over the counter or on the go?

Whether you’re a tradie on the move, a busy café, or an online shop, we have a range of payment solutions to make accepting payments quick, easy and convenient. From EFTPOS solutions to 7 day settlement and real time banking. You can also simplify your banking and save time with ASB's FastService suite in branch; ASB Instant Deposit, ASB FastChange and ASB FastCount.

Options at a glance

Business Focus

A business banking package with an everyday account and optional add on tools designed to help save small businesses money and make business banking easy. For businesses with less than $2m p.a. in turnover.

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Saving On Call

A savings account where your money is on call and earns a higher interest rate when you have higher amounts saved.


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Answer a few questions to discover the transaction account that's right for you.

See all other business accounts and credit cards.

Get more from ASB

Bank anywhere, anytime

Depending on the size of your business and your banking requirements, you have the choice of ASB FastNet Classic or ASB FastNet Business for your internet banking. Both options are supported by mobile apps, ASB Mobile for FastNet Classic and ASB Mobile Business for FastNet Business, so you can remain in control of your finances even when you’re out of the office.

Save time by automating your finances.

By integrating your online accounting software such as MYOB or Xero with your online banking, you can see your financial position every morning, reduce double-handling of bills and free up capacity so your accountant can start to proactively add value to your business.

Bank your sales 365 days a year

Receive your electronic sales every day, seven days a week, including public holidays. Having money in your account at the end of the day 365 days a year can make a big difference when it comes to making payroll or paying suppliers.

Guides to get you there

Next steps

Find an expert

Our business and rural managers can help you choose the right solutions for your business.

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Enquire Online

Tell us about your business and how we can help, and one of our team will get back to you.

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Visit a branch

Visit us at one of our many branches across New Zealand.

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We’re here to help 24/7

ASB's terms and lending criteria apply.

Business banking Cash management