Kiwibank Business Banking Review
Comprehensive review of Kiwibank business banking - New Zealand's best value option for small businesses and sole traders.
4.0/5
Expert Rating
$5
Monthly Fee
100%
NZ Owned
🏆 Best Value for Small Businesses
Lowest monthly fees and competitive features make Kiwibank ideal for startups and low-volume businesses.
Why Choose Kiwibank Business Banking?
Advantages
- • Lowest monthly fee at just $5
- • 100% New Zealand owned
- • Personal service and local support
- • Low minimum balance ($1,000)
- • Competitive business lending rates
- • Strong focus on NZ businesses
Disadvantages
- • Only 10 free transactions
- • Higher transaction fees ($0.50)
- • Limited international services
- • Fewer digital features
- • No physical branches (Post Shops only)
Perfect For:
Sole traders, startups, consultants, freelancers, and small businesses with low transaction volumes (under 20 per month). Ideal for companies that value supporting New Zealand-owned banks.