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If your operations stay domestic and your needs are mostly transactional, it covers the basics. The picture changes once you start paying overseas suppliers, managing contractors in other markets, or planning to grow beyond Australia, where a domestic mobile-only account can start to feel limiting.",[],{"_key":1348,"_type":507,"children":1349,"markDefs":1354,"style":514},"k193",[1350],{"_key":1351,"_type":511,"marks":1352,"text":1353},"k192",[],"That's where Aspire is worth considering.",[],{"_key":1356,"_type":507,"children":1357,"markDefs":1367,"style":514},"k200",[1358,1363],{"_key":1359,"_type":511,"marks":1360,"text":1362},"k198",[1361],"k194","Aspire is an all-in-one finance platform",{"_key":1364,"_type":511,"marks":1365,"text":1366},"k199",[]," built for startups and growing businesses that operate across borders. Alongside everyday business banking, it brings multi-currency accounts, low-cost international transfers, corporate cards, and built-in expense management into one place. Instead of running a local account, a separate FX provider, and a spend-management tool in parallel, you manage everything from a single platform, which keeps admin down as the business scales.",[1368],{"_key":1361,"_type":558,"externalUrl":1369,"linkType":171},"\u002F",{"_key":1371,"_type":507,"children":1372,"markDefs":1377,"style":750},"k204",[1373],{"_key":1374,"_type":511,"marks":1375,"text":1376},"k203",[],"AMP business account FAQs",[],{"_key":1379,"_type":507,"children":1380,"markDefs":1385,"style":514},"k208",[1381],{"_key":1382,"_type":511,"marks":1383,"text":1384},"k207",[],"If you have common questions about AMP business accounts, the answers below cover eligibility, features, and account management.",[],{"_key":1387,"_type":507,"children":1388,"markDefs":1393,"style":1010},"k212",[1389],{"_key":1390,"_type":511,"marks":1391,"text":1392},"k211",[],"What is an AMP business account?",[],{"_key":1395,"_type":507,"children":1396,"markDefs":1401,"style":514},"k216",[1397],{"_key":1398,"_type":511,"marks":1399,"text":1400},"k215",[],"An AMP business account is a set of digital banking products from AMP Bank. It lets Australian businesses manage transactions, savings, and funds via the AMP Bank GO app.",[],{"_key":1403,"_type":507,"children":1404,"markDefs":1409,"style":1010},"k220",[1405],{"_key":1406,"_type":511,"marks":1407,"text":1408},"k219",[],"Can businesses earn interest on AMP accounts?",[],{"_key":1411,"_type":507,"children":1412,"markDefs":1417,"style":514},"k224",[1413],{"_key":1414,"_type":511,"marks":1415,"text":1416},"k223",[],"Yes. The AMP Bank Go Business Save account lets you earn variable interest on business savings.",[],{"_key":1419,"_type":507,"children":1420,"markDefs":1425,"style":1010},"k228",[1421],{"_key":1422,"_type":511,"marks":1423,"text":1424},"k227",[],"Do I need an ABN or an ACN to open an AMP business account?",[],{"_key":1427,"_type":507,"children":1428,"markDefs":1433,"style":514},"k232",[1429],{"_key":1430,"_type":511,"marks":1431,"text":1432},"k231",[],"Yes, you typically need a valid ABN or ACN when applying for an AMP business bank account in Australia.",[],{"_key":1435,"_type":507,"children":1436,"markDefs":1441,"style":1010},"k236",[1437],{"_key":1438,"_type":511,"marks":1439,"text":1440},"k235",[],"How do I link Xero to my AMP Bank GO account?",[],{"_key":1443,"_type":507,"children":1444,"markDefs":1449,"style":514},"k240",[1445],{"_key":1446,"_type":511,"marks":1447,"text":1448},"k239",[],"You can link Xero directly in the AMP Bank GO app. This syncs your business bank transactions with accounting software.",[],{"_key":1451,"_type":507,"children":1452,"markDefs":1457,"style":750},"k244",[1453],{"_key":1454,"_type":511,"marks":1455,"text":1456},"k243",[],"AMP business banking support",[],{"_key":1459,"_type":507,"children":1460,"markDefs":1465,"style":514},"k248",[1461],{"_key":1462,"_type":511,"marks":1463,"text":1464},"k247",[],"AMP provides customer support through in-app chat, phone, and FAQs accessible via the AMP Bank GO app. This support network helps with account setup, troubleshooting, and general banking questions efficiently.",[],{"_key":1467,"_type":507,"children":1468,"markDefs":1473,"style":514},"k252",[1469],{"_key":1470,"_type":511,"marks":1471,"text":1472},"k251",[],"The team guides you through every step of managing business finances. This ensures you can make the most of AMP business account features. Whether you need assistance with linking Xero, managing PayID payments, or understanding interest accrual, AMP responds quickly.",[],{"slug":139,"title":140},{"_type":333,"alternativeText":1476,"height":1477,"url":1478,"width":1479},"AMP business account review",630,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F94a047695709cb2ef93d2885ce5123ff\u002Famp-business-account-review_cover.jpeg",1200,[1481,1488,1494,1501,1507,1514,1521,1528],{"_key":746,"_type":507,"children":1482,"level":849,"listItem":1486,"markDefs":1487,"style":514},[1483],{"_key":844,"_type":511,"marks":1484,"text":1485},[],"Over 150 years of history with AMP Bank operating as a regulated Australian financial institution that blends traditional banking security with a modern mobile-first experience.","bullet",[],{"_key":860,"_type":507,"children":1489,"level":849,"listItem":1486,"markDefs":1493,"style":514},[1490],{"_key":855,"_type":511,"marks":1491,"text":1492},[],"3 account types available covering everyday transactions via AMP Bank GO, a Business Save savings account for earning interest, and term deposits for locking away funds at a fixed rate.",[],{"_key":1495,"_type":507,"children":1496,"level":849,"listItem":1486,"markDefs":1500,"style":514},"k8",[1497],{"_key":752,"_type":511,"marks":1498,"text":1499},[],"No monthly fees on core accounts with both the everyday business account and the Go Business Save savings account free to maintain, keeping ongoing costs low for small businesses.",[],{"_key":760,"_type":507,"children":1502,"level":849,"listItem":1486,"markDefs":1506,"style":514},[1503],{"_key":763,"_type":511,"marks":1504,"text":1505},[],"Mobile-only banking with all account management handled exclusively through the AMP Bank GO app, meaning there is no branch network or in-person banking option available.",[],{"_key":771,"_type":507,"children":1508,"level":849,"listItem":1486,"markDefs":1513,"style":514},[1509],{"_key":1510,"_type":511,"marks":1511,"text":1512},"k13",[],"Qantas Business Rewards integration allows businesses to earn loyalty points on average month-end balances when linked to an eligible everyday account, combining banking with travel rewards.",[],{"_key":1187,"_type":507,"children":1515,"level":849,"listItem":1486,"markDefs":1520,"style":514},[1516],{"_key":1517,"_type":511,"marks":1518,"text":1519},"k16",[],"Xero integration is built in allowing businesses to sync transaction data directly from the AMP Bank GO app, reducing manual bookkeeping and keeping financial records up to date.",[],{"_key":1522,"_type":507,"children":1523,"level":849,"listItem":1486,"markDefs":1527,"style":514},"k20",[1524],{"_key":776,"_type":511,"marks":1525,"text":1526},[],"Overdraft facility available on the everyday business account subject to credit approval, providing a buffer for businesses managing short-term cash flow gaps.",[],{"_key":784,"_type":507,"children":1529,"level":849,"listItem":1486,"markDefs":1533,"style":514},[1530],{"_key":787,"_type":511,"marks":1531,"text":1532},[],"Funds are protected under the Financial Claims Scheme giving businesses confidence that deposits are safeguarded up to set limits under the Australian Government scheme.",[],[1535,1541],{"_key":746,"_type":507,"children":1536,"markDefs":1540,"style":514},[1537],{"_key":844,"_type":511,"marks":1538,"text":1539},[],"In this review, we’ll walk through the key details of AMP’s business banking products. 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