Model expected interest for corporate cash, tax reserves, and payroll buffers across Australian business savings accounts.
Ready to compare Australian business savings accounts
Enter your cash reserve amount and business structure above, then click “Compare business accounts”.
Factual Information Notice (ASIC RG 244): The comparisons, balance tier allocations, and 12-month return forecasts generated by this tool constitute factual financial information only. They are mathematically derived from publicly available interest rate schedules and official product disclosure documents issued by Australian Authorised Deposit-taking Institutions (ADIs). This tool does not provide personal financial product advice, general advice, tax advice, or legal advice under the Corporations Act 2001 (Cth).
Client Classification & Suitability: We do not assess your business cash flow requirements, working capital cycles, seasonal liquidity demands, or creditworthiness. Small businesses and sole traders may be classified as retail clients under statutory definitions, while certain larger corporate entities may qualify as wholesale clients. Regardless of client status, always assess whether an account matches your liquidity needs before opening or transferring funds.
Terms & Rates Subject to Change: Variable interest rates, balance caps, and bank criteria are subject to change by financial institutions at any time without notice. Before opening any account, verify current details directly against the issuing bank's Product Disclosure Statement (PDS) and Target Market Determination (TMD).
Keep quarterly GST, PAYG withholding, and corporate income tax reserves liquid while earning high competitive interest until lodgement.
Many business accounts cut interest above $250k or $1M. Our allocation engine models multi-account setups to preserve headline rates.
Filter products that strictly accept your legal entity type—whether you operate as a Sole Trader, Pty Ltd Company, Partnership, or Trust.
Current rates from verified bank sources, last checked .
4.75% p.a.
Balances up to $500,000
Linked account required • Sole Trader, Company, Trust
4.65% p.a.
Balances up to $2,000,000
No linked account • Sole Trader, Company
4.60% p.a.
Balances up to $250,000
No linked account • Company, Trust, Other Entity
3.40% p.a.
Balances up to $1,000,000
Intro: 5.30% p.a. for the first 4 months
No linked account • Sole Trader, Company, Partnership, Trust
Covering Australia's Major & Regional Banks
Includes AMP, ANZ, Arab Bank, Bank of Melbourne, BOQ, Commonwealth Bank, Judo Bank, Macquarie, MyState, NAB, Newcastle Permanent, Rabobank, Suncorp, Westpac.
4.65% up to $2M vs 4.60% up to $250k. Sole trader vs trust eligibility breakdown.
Comparing whole balance calculation tiers and linked account fee obligations.
Pty Ltd trading operating accounts compared against Trust and SMSF cash management.
Avoid linked account fees and understand the shared $250k personal FCS guarantee.
Pty Ltd CompaniesIndependent corporate legal entity protection and avoiding high-balance interest cliffs.
$500k TreasuryHow to earn $23,000+ per year while keeping 100% of cash covered under the FCS cap.