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COVID-19 support for business customers

We’re here to help you get through the ups and downs of business.

 

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Update on COVID-19 support measures

Financial support for existing customers

JobKeeper Payment scheme

Access to new loans

Business banking

Handy tools and templates

Government resources

Your questions answered

Contact us

 

Update on COVID-19 support measures

From July 2020 ANZ has announced new measures to support businesses that continue to face financial difficulty due to COVID-19. These measures include extending existing loan deferral periods for up to four months for eligible customers. 

ANZ is focused on supporting our customers and have already begun contacting businesses to better understand their circumstances. On a case-by-case basis, we will work with impacted customers to restructure their loans and in some circumstances will provide an extension to existing loan repayment deferrals of up to four months.

Getting help 

Customers who have not already applied for COVID-19 financial support can still apply. To apply for assistance contact your ANZ Relationship Manager or request a call back from one of our bankers.

Expiring loan repayment deferrals

Customers on existing loan repayment deferrals do not need to take any action. We will contact all customers prior to the end of their current loan repayment deferral period. ANZ will provide further details about resuming normal repayments, or will work with you on options for further assistance.

Request a call back

Financial support for existing business customers

If your business has been affected by the financial impacts of COVID-19, we’re here to help with financial support.

Business vehicle and equipment finance

  • All impacted customers can request a six-month deferral on instalments for chattel mortgage contracts, with interest capitaliseddisclaimer
  • If you request a six-month deferral, your contract term will be extended by six months
  • Depending on your contract, your instalments after the six-month deferral period will likely increase to take account of the capitalised interest

To find out more, please contact your Relationship Manager or request a call back from one of our bankers.

Request a call back

Business loans and overdrafts

  • All impacted customers can request a six-month payment deferral on loan repayments for term loans, with interest capitaliseddisclaimer
  • We are making available temporary increases in overdraft facilities for 12 months
  • We’ve decreased variable interest small business loan rates in Australia by 0.25% p.a., effective from 27 March 2020

Request a call back

If you're a commercial landlord looking for COVID-19 support, see our frequently asked questions for more information.

Business credit cards

If you need help to stay on top of your business credit card, or are worried about any business credit card debt, please contact us via the call back button below. Our bankers will discuss the options available to you that may help with staying on top of things, or relieving financial stress.

Request a call back

Merchant services

All adversely impacted customers with an ANZ Merchant Facility can request a three-month waiver of the Rental Fees for their ANZ Electronic Terminals.

To request this waiver, please call ANZ Merchant Servicing directly: 1800 039 025

Contactless card PIN limits Increase temporarily to help reduce the risk of COVID-19 transmission

From April 7 2020, Industry including ANZ merchants will progressively temporarily increase the PIN limit for most contactless card and wallet payments from $100 to $200 to reduce a cardholder’s physical contact with payment terminals.

The new limit will be introduced across certain cards and at certain retailers. Customers paying on ANZ terminals should be guided to follow the PIN pad prompts. The new $200 limit is a temporary measure in response to COVID-19. It is expected to apply for a three-month period, and will be extended if necessary, based on Government advice. Transactions above $200 will continue to ask for the PIN.

For further information go to https://www.auspaynet.com.au/

Merchants should refer to instructions on how to regularly clean terminals here.

See frequently asked questions for more information.

 

JobKeeper support from ANZ

If you’re eligible for the Australian Government’s JobKeeper Payment scheme, find out how we can help you bridge the gap before you receive payments. We’ve set up a dedicated hotline to help our small to medium business customers who may need temporary financial support and we'll prioritise these funding requests.

How to prepare:

Please reach out to us if you require temporary financial support once you’ve successfully enrolled for the JobKeeper Payment scheme. Ensure you have your JobKeeper Business enrolment for JobKeeper subsidy receipt provided by the ATO on hand before you contact us.

If you don’t have your JobKeeper Business enrolment for JobKeeper subsidy receipt, you will need to provide us with the following details that you registered with the ATO in your JobKeeper enrolment:

  • ATO JobKeeper receipt ID (available by contacting the ATO on 13 28 66)
  • ABN
  • Number of eligible employees
  • ANZ business account number you currently use to pay your employees

In order to process your application for financial support, we need to match the information you supply to us with that supplied to the ATO.  To avoid any delays processing your application, please ensure the information you provide to us is exactly the same as the information you provided to the ATO.

For guidance on the JobKeeper Payment scheme, including eligibility criteria and how to enrol, please visit the ATO website.

We’re here to help and ready to talk.

Call 1800 571 123 Request a call back

Mon-Fri 8.30am to 6pm (AEST)

See frequently asked questions for more information.

 

Access to new loans

We know that many of you are feeling the impacts of COVID-19 and may need help to reduce the pressure on cash flow within your business. That’s where we can provide support, with access to new, lower rate business loans for up to $250,000 that qualify under the Australian Government Coronavirus SME Guarantee Scheme.

Available for new and existing ANZ business customers, the options available to you will depend on the size of your business and may include:

  • A new three-year business loan of up to $250,000, with a six-month deferral on repayments (interest capitaliseddisclaimer)
  • A new six-month business overdraft of up to $250,000, with a six-month deferral of interest (interest capitaliseddisclaimer). At the end of the six months, you will have the option of fully repaying the overdraft or rolling the balance into a term loan for up to 2.5 years.

Eligibility & Credit Criteria

Eligibility and credit criteria will apply, including:

  • Customers who are small and medium-sized businesses with a turnover of less than $50 million can apply
  • Available for new borrowing only, which must be unconditionally approved by 30 September 2020
  • Your business must have an ABN and be based, registered and operating in Australia 
  • The loan must be used to support your current and upcoming business cash flow needs only (including working capital, liquidity and operating expenditure)
  • The loan cannot be used to refinance facilities with us or another lender

For further information about the Australian Government Coronavirus SME Guarantee Scheme, please visit the Treasury website.

We want to see business owners get through this challenging time.  Please reach out to us – we’re here to help and ready to talk.

Call 1800 413 950 Request a call back

Mon-Fri 8.30am to 6pm (AEST)

See our frequently asked questions for more information about borrowing that qualifies for the Australian Government Coronavirus SME Guarantee Scheme.

 

Business banking

We have a range of solutions depending on your business needs, so you can bank with us easily and quickly.

 

 

The ANZ App

Make the everyday a little bit easier and do your banking wherever it suits you.disclaimer View balances, transfer money and make payments simply and easily.

 

   

 

 

ATMs and Smart ATMs

At our ATMs, you can deposit and withdraw, check your balance, transfer between accounts and change your PIN. ATMs with the contactless symbol also let you Tap & PIN to make banking that little bit easier.

Find a nearby ATM

 

Internet banking

This is ideal for doing your banking at home. Transfer money, pay anyone and view and manage your accounts with the peace of mind that you’re protected by ANZ security.

Log on   Register

 

 

ANZ Phone Banking

Phone banking is a viable option if you don’t have Internet Banking or the ANZ App. Do the basics: check your balance, transfer funds between accounts, pay bills via BPAY® and more.

Call 13 13 14

Handy tools and templates

Government resources for business owners

A range of government resources are available to assist businesses impacted by COVID-19.  We’ve included some key links below so you can easily access these resources.

  • For details of the Australian Government’s support for businesses, visit the Treasury website
  • For details of support for businesses offered in your state or territory, visit the relevant link on business.gov.au

Your questions answered

We will be contacting all customers prior to the end of their current loan repayment deferrals with more information on how we will work with customers to assess their ability to begin repaying their loans. 

For customers who continue to face financial hardship due to COVID-19, we will work with them to restructure their loans and in some circumstances will provide an extension to loan repayment deferrals of up to four months.   

Customers on existing loan repayment deferrals who have not been financially impacted by COVID-19 will be required to begin making normal repayments at the conclusion of their deferral agreement.

  

Customers who are yet to apply for loan repayment deferrals are still able to apply for assistance under ANZ’s COVID-19 financial support package.


If you wish to apply for the support package please contact your ANZ Relationship Manager. If you don't have a Relationship Manager, you can request a call back from a banker or call our support team on 1800 413 950  to discuss your needs in detail.

   

For guidance on the JobKeeper Payment scheme, including eligibility criteria and how to enrol, please visit the ATO website.

   

How to prepare:

Please reach out to us if you require temporary financial assistance once you’ve successfully enrolled for the JobKeeper Payment scheme. Ensure you have the following three items with you before you contact us:

  • A valid Australian Business Number (ABN);
  • Australian Taxation Office (ATO)-provided JobKeeper Business enrolment for JobKeeper subsidy receipt; and
  • The ANZ Business Account number you currently use to pay your employees
   

Please reach out to us if you require temporary financial assistance once you’ve successfully enrolled for the JobKeeper Payment scheme. Ensure you have the following three items with you before you contact us:

  • A valid Australian Business Number (ABN);
  • Australian Taxation Office (ATO) provided JobKeeper Business enrolment for JobKeeper subsidy receipt; and
  • The ANZ Business Account number you currently use to pay your employees

To discuss what options may be available to your business, you can:

   

If you’re eligible for the Australian Government’s JobKeeper Payment scheme, contact us to discuss the ways that we can help eligible business customers bridge the gap before payments are received. Options for eligible business customers may include a temporary increase to an existing overdraft, a new temporary overdraft, new lending at lower rates or a repayment deferral on existing term lending with interest capitalised.disclaimer

Eligible business customers can also access new, lower rate business loans for up to $250,000 that qualify under the Australian Government Coronavirus SME Guarantee scheme. To help find the right support for you, we’ve set up a dedicated JobKeeper hotline to help our small to medium business customers and we will prioritise these funding requests. Please reach out to discuss which options might be right for your business.

   

We have support options available for eligible businesses affected by the financial impacts of COVID-19. To discuss which options may be available to your business, please contact your business banker, request a call back or call the COVID 19 support team 1800 413 950.

   

The maximum total borrowing amount for all loans that qualify under the Australian Government Coronavirus SME Guarantee Scheme (including those from other participating lenders in the Scheme) is $250,000 per eligible borrower.

   

You may be eligibledisclaimer to apply for multiple products that qualify under the Australian Government Coronavirus SME Guarantee Scheme, subject to the maximum total borrowing amount for all loans (including those from other participating lenders in the Scheme) of $250,000 per borrower.

  

Eligible customersdisclaimer who have already accessed support through the ANZ COVID-19 Support Package can apply for new borrowing that qualifies under the Australian Government Coronavirus SME Guarantee Scheme.

  

Personal guarantees may be required; but neither you nor any guarantor will have to provide any assets as security.

  

Loan application, administration or service fees will not apply to borrowing that qualifies under the Australian Government Coronavirus SME Guarantee Scheme.

Interest charges will apply, however, there is an immediate 6-month payment deferral period. This means that interest will capitalisedisclaimer and principal and interest payments will commence after this deferral period.

   

I'm a commercial landlord. Is there anything I need to be aware of if I apply for
the COVID-19 support package?

If you are a commercial property landlord, the National Cabinet’s Mandatory Code of Conduct – SME Commercial Leasing Principles during COVID-19 may apply to you. It is the Australian Government’s expectation that banks, commercial landlords and tenants work in a co-operative way to support landlords and tenants giving effect to the Mandatory Code of Conduct. This includes a commitment by commercial landlords who are provided with loan deferrals (including any overdraft limit increase) not to terminate leases or evict current tenants for rent arrears as a result of COVID-19 if doing so would be in breach of the Mandatory Code.

Please notify us immediately if, at any time during the period of your loan deferral or overdraft limit increase, you are proposing to take steps to terminate any commercial lease or evict current tenants for rent arrears as a result of COVID-19. You can notify us by contacting your Business Banking Manager or calling 1800 956 420.

   

The ANZ COVID-19 support package is aimed at helping business customers financially impacted by COVID-19 to manage their expenses through this challenging time.

If you wish to apply for the support package please contact your ANZ Relationship Manager. If you don't have a Relationship Manager, you can request a call back from a banker or call our support team on 1800 413 950 to discuss your needs in detail.

 

Please contact your Relationship Manager who will be able to assist you to apply.

If you don't have a Relationship Manager, you can request a call back from a banker or call our support team on 1800 413 950. Please note that we are experiencing high volumes of calls and are committed to helping all of our customers and will be responding to everyone as soon as we can.

 

All ANZ business customers financially impacted by COVID-19 are able to apply for the support package.

We're here to help, so contact your ANZ Relationship Manager. If you don't have a Relationship Manager, you can request a call back from a banker or call our support team on 1800 413 950 to discuss your needs in detail.

  

No specific preparation is required; you just need to answer some simple questions about how COVID-19 has impacted your business. Please have your account details available to assist with the identification process.

 

Yes, the deferral of payments is available on both interest-only and principal and interest (P&I) loans.

 

If it is appropriate for your circumstances you can choose both support package items, provided you already have an existing ANZ Business Loan and ANZ Overdraft.

 

Yes. The temporary increase in overdraft facilities as part of the COVID-19 support package is available to those that have an existing ANZ overdraft. If you do not currently have an ANZ overdraft, please speak to your Relationship Manager about applying. If you don’t have a Relationship Manager you can request a call back from a banker to discuss your needs in detail.

 

There are two rates and fees that are important when considering your overdraft.

Firstly, the interest rate that applies to your increased ANZ overdraft remains the same as that of your existing ANZ overdraft. Interest payable is calculated on the daily balance of the overdraft and charged monthly. Please note that if you take up the assistance package you will likely end up paying more interest.

Secondly, the Credit Facility Fee that applies will be based on the new/increased overdraft limit amount (calculated daily) and not the drawn amount. Please note that any increase to the facility limit will likely result in an increase to the Credit Facility Fee payable.  Further information about the Credit Facility Fees for our business overdrafts can be found here.

 

We ask that you submit separate request forms, as business and personal banking are managed by different specialist teams.

 

Please contact your Assistant Manager or email your Relationship Manager. We’re doing our very best to support you and are working around the clock to help our business customers through this challenging time. Thanks for your patience as we respond to queries.

 

Due to high call volumes, please do not call the support line if you've already submitted an online request for a call back. We will call you back as soon as possible and you will not be disadvantaged by any delay in ANZ contacting you. Thanks for your patience as we work hard to respond to our business customers in a timely manner through this challenging time.

 

  • First unplug all the wires or devices from your ANZ merchant terminal.
  • Clean the outside of the terminal using a soft cloth (slightly soaked with soapy water). Avoid excessive wiping that may cause damage to the terminal (note that cosmetic wear is not covered under warranty).

  • Avoid exposing the terminal to direct sunlight
  • Don’t clean any electrical connections
  • Don’t spray cleaners directly onto the terminal
  • Don’t use solvents, detergents, aerosol sprays or abrasive products
  • Don’t get moisture into any openings
  • Don’t put anything into the slot of the smart card reader

Important Information

Non-touch merchant terminals have plastic lenses. Don’t use alcohol cleaning solutions (isopropyl 70%) on these terminals. It’s ok to clean touch-screen glass terminals (such as the ANZ POS Move terminal) with such alcohol cleaning solutions.

 

Need to get in touch?

We're receiving a large number of calls. For now, requesting a call back is the best way to get in touch with us. You can also check out our frequently asked questions above for help.

Request a call back

Our ANZ Business Bankers are here
to help.

 

Request a call back

Contact your Relationship Manager

Talk to them about your COVID-19
support options.

Call us

Speak to an ANZ Business Banker. 
Mon-Fri 8.30am to 6pm (AEST)

 

1800 413 950

More COVID-19 support

Get the latest on our COVID-19 response and learn what we’re doing to help you get back on top of things.

Return to COVID-19 support

Important information

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527. 

App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trade marks of Google Inc.

Interest Capitalisation is the addition of unpaid interest to the outstanding loan balance. The outstanding loan balance increases when payments are postponed during periods of deferment or forbearance and unpaid interest is capitalised.

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The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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Eligibility and credit criteria apply.

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