They matter when balances are lean; choose low-min early.
Minimum balance is the average deposit level you must maintain to avoid a monthly fall-below fee. Early-stage SMEs with thin balances should pick low-minimum packages and keep a small cash buffer. As volumes grow, relationship packages may waive or offset fees.
minimum balance, fall below fee, SME banking
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About the Author
Helen Lili – Editor, Research Lead
Helen leads tariff analysis and product change tracking. She maintains the normalized dataset that powers our comparison tables and ensures each claim links back to a dated primary source.
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