Best digital banks in Australia

The best digital banks in Australia, ranked on the Bankz Trust Score™ — approval odds, all-in cost, speed and capabilities. Picks update live from verified, sourced data. No pay-to-rank.

Top picks — Best digital banks in Australia

Bank
1ZE Zeller AU · Zeller Business Account & Payments	Free · 64%Zeller — Business Account & Paymentshttps://www.myzeller.comSource class: website · reliability 80%Last verified 10d agoNo monthly account fee marketed; card-acceptance fees apply per transaction.	None · 64%Zeller — Business Account & Paymentshttps://www.myzeller.comSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying.	2 days · 58%Bankz analyst desk — Australia (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	77/100 · B
2CO CommBank AU · CommBank Business Transaction Account	A$10 Commonwealth Bank — Business Bankinghttps://www.commbank.com.au/business.htmlSource class: website · reliability 80%Last verified 10d agoAccount-keeping fee varies by plan; some plans fee-free.	None · 56%Commonwealth Bank — Business Bankinghttps://www.commbank.com.au/business.htmlSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying.	7 days Bankz analyst desk — Australia (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	60/100 · B
3WE Westpac AU · Westpac Business One Account	A$10 Westpac — Business Bankinghttps://www.westpac.com.au/business-bankingSource class: website · reliability 80%Last verified 10d agoAccount-keeping fee varies by plan; a low-plan option can be fee-free.	None · 56%Westpac — Business Bankinghttps://www.westpac.com.au/business-bankingSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying.	9 days Bankz analyst desk — Australia (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	60/100 · B
4NA NAB AU · NAB Business Everyday Account	Free · 56%NAB — Business Bankinghttps://www.nab.com.au/businessSource class: website · reliability 80%Last verified 10d agoNAB markets a $0 monthly-fee everyday business option; transaction fees may apply.	None · 56%NAB — Business Bankinghttps://www.nab.com.au/businessSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying.	8 days Bankz analyst desk — Australia (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	59/100 · C
5AN ANZ AU · ANZ Business Essentials Account	Free ANZ — Business Bankinghttps://www.anz.com.au/businessSource class: website · reliability 80%Last verified 10d agoEntry-level business plan is marketed fee-free; higher plans add features.	None · 56%ANZ — Business Bankinghttps://www.anz.com.au/businessSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying.	9 days Bankz analyst desk — Australia (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	59/100 · C

Rating = Bankz Trust Score™ · every value sourced · no pay-to-rank. Tap a column to sort.

How we picked

✓Fully digital onboarding
✓Onboarding speed
✓App & API quality
✓All-in cost
✓Trust Score

Rankings come from the Bankz Trust Score™ and your-profile fit — no pay-to-rank. See the methodology →

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Frequently asked

What are the best digital banks in Australia?

Digital and app-first providers onboard fastest and usually cost less all-in. The ranking above is built from verified, sourced data for Australia.

Informational only — not financial advice. Verify all terms with the institution.