Westpac Business One - Negotiator Plan

transaction accountclosed to newstale

Business One - Negotiator Plan is a transaction account from Westpac.

Not ranked: a transaction (everyday) account, not a savings account.

Rate tiers

Every balance band in the bank's feed: base is the rate the bank pays.

No rate rows could be read from the feed for this product.

Conditions

• not updated by the bank since 2026-10-28, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed

Features

card

Westpac Business Debit Card / Handycard access

app

yes

PayTo

yes

Other features, in the bank's words:

• Interest rates are available on application.
• Following fees to be known on application (Transaction Fees when charge per transaction when the number of free transactions per month is exceeded): Cheques Written, Cheques Collected, Staff-assisted withdrawal, Staff-assisted deposit, Narrated Credits.
• Interest paid on monthly basis.
• With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account.
• Your company will get a regular statements of the account
• Your company/business can make Periodical Payments from this account

Fees, limits and who can open it

monthly fee

$0

other fees named

Cheques Collected / Deposited, Foreign Transaction Fee - non-AU merchant, Foreign Transaction Fee - AU merchant, Staff-Assisted Withdrawal, Staff-Assisted Deposit, Cheques Written, Self-Service (Electronic) Withdrawals, Self-Service (Electronic) Deposits, Periodical Payments (no amount in the feed)

age

ages 18 and over

open to

business customers

closed to new

the bank's feed says the product is not available to new customers

Who can open it, in the bank's own words:

• Business Customers only who are relationship managed.

About this account

An integrated business product designed to meet all your cash flow requirements. The negotiator plan has certain qualifying criteria and is only available to relationship managed customers.

Data

• Westpac's own page for this account.
• The bank's documents its product record links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 28 October 2026.
• /au/finance/savings-accounts/v1/brands/westpac.json: this bank's accounts and every balance band as JSON; Westpac's page lists them.
• The bank last updated this record on 28 October 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.

Other accounts at Westpac

• 55+ and Retired savings account, 1.73% base at $50,000
• Bump Savings savings account, 5.55% conditional at $50,000
• Business Cash Reserve Savings savings account, 0.95% base at $50,000
• Business Premium Cash Reserve savings account, 0.01% base at $50,000
• Cash Investment Account savings account, 1.30% base at $50,000
• Community Solutions Cash Reserve savings account, 0.95% base at $50,000
• eSaver savings account, 1.25% base at $50,000
• Life savings account, 5.50% conditional at $50,000
• Notice Saver 31, 60 & 90 Days notice account, 0.00% base at $50,000
• Bank Account with Debit Card for Students and Young Adultsstale transaction account, 0.00% base at $50,000
• Business Onestale transaction account, 0.00% base at $50,000
• Business One - Plusstale transaction account, 0.00% base at $50,000
• Choice transaction account, 0.00% base at $50,000
• Choice for Concession Holdersstale transaction account, 0.00% base at $50,000
• Choice for Migrantsstale transaction account, 0.00% base at $50,000
• Community Solutions One transaction account, 0.00% base at $50,000
• Youth Bank Account and Debit Cardstale transaction account, 0.00% base at $50,000

All of Westpac's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.