Absa Business Banking

Introduction

Absa Business Banking provides business accounts, cards and financial tools to South African small and medium businesses, backed by one of the country’s largest banks with a wide branch and digital footprint.

Who it suits

Absa Business Banking fits an SME that wants a full-service business account from a major bank, with the reassurance of scale, physical branches, and a broad range of business products to grow into.

What you get

  • Business current accounts with digital and branch access.
  • Business cards, payments and merchant solutions.
  • Access to overdrafts, loans and other bank products as you qualify.
  • Business support tools and a large national network.

How the cost works

Business accounts carry monthly and transaction fees that vary by the account type and pricing bundle you choose. Fee structures change, so compare the current business account options and their monthly costs before opening one.

Our take

A major bank like Absa offers scale, stability and a full product range, which suits a business that values branch access and room to grow. Weigh the monthly fees against newer low-fee digital banks based on how you actually transact. Keeping clean records in the account also helps when you apply for funding.

See Absa Business Banking

Related: Tax and accounting  ·  Cash flow  ·  Funding options

Main Features

Absa Mobile Pay 

  • No upfront costs.
  • 2,25% transaction fee per transaction.
  • No call out fees for terminal repairs.
  • Compatible with only Android devices (Android 7 and above).
  • Can link multiple devices to one merchant number.
  • No limit to the amount that you may accept on Absa Mobile Pay.

Absa Business Evolve Account 

  • No monthly account fee and no minimum deposit is required to open the account.
  • 24/7 access to Absa’s electronic transacting channels (Absa Online and the Banking App).
  • Assist with day-to-day transacting or purchasing requirements. Multiple debit cards can be issued per signatory on the account.
  • Includes Liquidity Plus is an interest-bearing account, that allows immediate access to your account balance.
  • Accessible to Islamic clients through Islamic Depositor Plus.

Absa Commercial Asset Finance 

  • Choose repayment terms between 12 and 60 months.
  • Save on interest by choosing the best finance option for your business.
  • Tailor-made funding for your business.
  • Can be linked with Absa Internet banking or mobile banking.
  • Ownership of the vehicle automatically transfers to you once the loan has been repaid.
  • You can lease up to 60 months for if you do not desire to keep the vehicle or asset long-term.
Pricing

There is no price needed to leverage any of the products from Absa. On the Absa Mobile Pay product, there is 2,25% transaction fee for all transactions. With the Commercial Asset Finance product, the interest rate is tailor-made for your business and lastly, the Business Evolve Account has no fees for Absa online, the banking app and Liquidity Plus.

Pros and Cons

Pros

Low transaction fees for Absa mobile pay.
On Commercial Asset finance, the car will be in your name once all repayments are done.
The Business Evolve account supports all SMEs, commercial businesses and Islamic businesses.

Cons

Absa Mobile Pay does not support iOS-enabled phones.
Absa Mobile Pay does not work on phones which are not NFC-enabled.
FAQs

No, Absa Mobile Pay does not work on iPhones due to Apple not allowing third-party apps to use its NFC technology.

The Absa Business Evolve Account is for all SMEs and commercial businesses.

No, the Absa Commercial Asset financing can also be used for manufacturing, agricultural and construction equipment.

Yes, the business account is a Shari’ah-compliant business account that is
designed to support any business.

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