Manage cash flow with our Business Banking Account

What cash flow really means for small businesses

Cash flow is the timing of money moving in and out of your business.

If clients pay late but your debit orders go off on time, you can quickly run into problems even if your business is making money.

• Positive cash flow: More money comes in than goes out. You can cover costs and plan for growth
• Negative cash flow: Expenses exceed income. Bills pile up, and it’s harder to stay afloat

How our Business Banking Account helps track your money

• Simplicity: One account for all your business transactions, keeping income and expenses separate from personal money
• Affordability: A low monthly account fee with the same transaction fees as our Personal Banking Account
• Accessibility: Manage everything in-app, with free Money In/Money Out notifications so you always know where your money is going
• Personal experience: Our digital tools make managing your cash flow easy, but we back that up with real people when you need help

How to get paid faster with our Card Machines

• Choose between the Print or Pro Card Machine
• Accept payments on the spot
• Access your money the very next day, even on weekends and public holidays
• Pay low commission fees, with lower rates as your turnover grows
• No monthly fees or contracts
• Free delivery within 3 working days
• Unlimited free 4G/WiFi and all-day battery life
• Track sales easily to see how your business is performing

How to manage cash securely

Not every client pays with their card or EFT and holding cash can be risky.

Our cash solutions move money safely into your account:

• Cash deposit device: Deposit cash on-site and see the money reflect in your account immediately
• Self-cash ATM: Installed at your premises for client withdrawals and your deposits
• Cash collection service: Secure pick-ups with flexible schedules

Your cash is insured from the moment it’s deposited until it’s processed. It’s safer, faster and often cheaper than traditional cash handling, giving you better control over your cash flow.

How to manage cash flow with our Savings Accounts

Grow your money with our Savings Accounts:

• Business Flexible Savings: Earn up to 1.75% interest on your daily balance and instant access on our app or online banking
• 32-Day Notice Account: Get better rates and access to your money after 32 days

Smart tips for cash flow planning

• Separate funds: Keep business and personal money separate to make tracking easier and reduce admin at tax time
• Plan for seasonality: Set aside money in busy months to cover quiet ones
• Build a buffer: Keep at least one month’s expenses in reserve
• Save for tax: Move a percentage of every payment into a dedicated Savings Account
• Review weekly: Use our app to track cash flow and spot issues early
• Follow up on invoices: Don’t let payments drag for months, follow up regularly

Bank on better cash flow

Running a small business in South Africa comes with challenges, but your money doesn’t have to be one of them. Our Business Banking Account helps you track income, manage expenses and plan for growth with confidence.

Open a Business Banking Account