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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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Financial support for existing customers

Access to new loans

Business banking

Handy tools and templates

Government resources

Your questions answered

Contact us



We’re here to help

Please don’t wait until you have a problem to speak to us, we’re here to help. Reach out to a banker as soon as you can.

We’re doing our very best to support you and acknowledge it’s a rapidly changing environment.  We’re working around the clock to ensure we have dedicated teams of specialist bankers to help you through this and to respond to your queries.

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 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

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 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

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 business loans that could help you get back on top of things.

From 6 April 2020, you can apply for the new lending options. The options available to you will depend on the size of your business and may include the following:

  • A new three-year business loan of up to $250,000, with a six-month deferral on repayments (interest will be capitaliseddisclaimer)
  • A new six-month business overdraft of up to $250,000, with a six-month deferral of interest.disclaimer 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

Speak to us about which option may be available for your business.

Please note that 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 lending only from 6 April, approved by 30 September 2020
  • Your business must 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 drawn facilities with us or another lender

We can work with you to determine if you are eligible or if another option may be better suited to the needs of your business.

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.


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

Your questions answered

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 8pm (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

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

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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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