Free Tool · Updated January 2026
Find your best-value business bank account
Tell us how your business actually moves money. We'll work out the real monthly cost across FNB, Standard Bank, Absa, Nedbank, Capitec, and Bank Zero, and show you exactly where the cost comes from.
Your business
Cash
Electronic activity, per month
Support
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Frequently asked questions
Which South African banks does this tool compare?
FNB, Standard Bank, Absa, Nedbank, Capitec, and Bank Zero, using each bank's published 2026 fee schedule.
How does the tool work out which account is cheapest for my business?
It applies your actual monthly activity, cash deposits, card purchases, EFTs, debit orders, instant payments, and salary runs, against each bank's fee structure, and ranks the accounts by real monthly cost rather than the headline monthly fee.
Why does the tool say some accounts are not eligible for my business?
Some accounts are restricted by entity type, registered company versus sole proprietor, or capped at a maximum annual turnover. The tool checks your profile against those restrictions before ranking, and only shows accounts your business actually qualifies for.
Is the cheapest account always the right choice?
Not necessarily. If the business wants easy access to lending or a relationship banker, that changes which account makes sense, which is why the tool flags a lending caveat separately from the pure cost ranking.
How often are the bank fees in this tool updated?
Every January, when the banks publish their new fee schedules for the year.
This is an indicative cost comparison based on banks' published 2026 fee schedules and the figures you enter. It is not financial advice, and Launchworks is not a licensed financial advisor. Bank fees change, usually every January, so confirm current pricing with the bank before opening an account. Read the full reasoning in our business banking guide.