Introducing Zeller for Startups.
Don’t waste time assembling disparate tools or waiting in line at a bank. Zeller for Startups is an all-in-one financial solution for founders, by founders.
Products
Payments
Integrations
Switch to Zeller
Contact Sales
Get a better rate with Zeller.
Speak to our expert team about your in-store payments, and we’ll personalise a solution to your business and budget.
Support
Learn more
All-in-one POS and payments.
Enjoy a free, built-in POS system with the new Zeller Terminal 2. Order today with free express shipping nationally.
Shop
Learn more
Shop
All-in-one POS and payments.
Starting a new business? Enjoy a free, built-in POS system with the new Zeller Terminal 2.
Best Business Debit Cards in Australia for 2025
4.03.2025
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.
How Zeller Debit Card stacks up against the big 4 Australian banks
Card type
Monthly account fees
Bank branch visit required to sign up
International transaction fees
Issue new cards online in minutes
Issue unlimited virtual cards
24/7 fraud monitoring
Easily attach receipts and invoices to transactions
Attach notes and contacts to transactions
Order additional physical cards
Xero integration
Zeller Debit Card
Card type
Mastercard
Monthly account fees
Free
Bank branch visit required to sign up
No
International transaction fees
0%
Issue new cards online in minutes
Yes
Issue unlimited virtual cards
Yes
24/7 fraud monitoring
Yes
Easily attach receipts and invoices to transactions
Yes, included free
Attach notes and contacts to transactions
Yes, included free
Order additional physical cards
Unlimited, for free
Xero integration
Yes
ANZ Business Visa Debit Card
Visa
Up to $10 monthly
In many cases
3%
No
No
Yes
No
No
Nominated cardholders only
Yes
Commonwealth Bank Business Visa Debit Card
Visa
Up to $10 monthly
In many cases
3.5%
No
No
Yes
No
No
One per account signatory
Yes
NAB Business Visa Debit Card
Visa
Up to $10 monthly
In many cases
3%
No
No
Yes
Requires NAB Bookkeeper, a paid add-on
No
Up to two cards max
Yes
Westpac Business Debit Mastercard
Mastercard
Up to $10 monthly
In many cases
3%
No
No
Yes
No
No
Nominated cardholders only
Yes
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.
The Zeller Debit Card in the box being activated instantly is a great feature. Linking the account statements to Xero was a breeze - everything just works. Very happy.
Peter Green, Arafura Connect
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.
A smarter business debit card.
✓ Create online in a few clicks
✓ No monthly fees
✓ Issue unlimited virtual cards
✓ No monthly fees
✓ Issue unlimited virtual cards
