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COVID-19 response for business customers

We’re here to help you get through the ups and downs of business during this challenging time. Below is our latest COVID-19 update, along with some suggestions and Government information you may find useful.

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Our latest COVID-19 update

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Government SME Recovery Loan

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Our latest COVID-19 update

Access to new loans

ANZ is also providing long-term funding through the Australian Government SME Recovery Loan Scheme to support the economic recovery of business owners. You can learn more about the scheme and eligibility here.

Australian and State Government support for business

The NSW Government is helping SMEs confidently prepare for the festive season with the SME Summer Stock Guarantee Scheme. If restrictions in NSW change and businesses are unable to trade, eligible SMEs will be able to apply for grants of up to $20,000 to cover the loss of goods. Further information will become available on the NSW Government’s website shortly.

In the interim please refer to the NSW Government press release Confidence guaranteed as we get back to work, which talks about the SME Summer Stock Guarantee Scheme.

For details on the other support and resources offered to businesses, and business owners, by the State and Federal Governments, see below.

Government resources for individuals

Government payments may be available if you or your family are affected by COVID-19.  For details visit the Australian Government website.

Our commitment to support you

Our COVID-19 customer support: statement of intent (PDF, 104KB) explains how we are supporting you through this challenging time.

Continuing to help where we can

If you’re experiencing ongoing financial difficulties, we will continue to work with you to understand your circumstances and try to help where we can.

For more information, please contact your ANZ Business Banking Manager.

If you don’t have an ANZ Business Manager, you request a call back.

Please make sure you select the "COVID-19 relief" option on the call back form.

Request a call back

Government resources for business owners

Australian Federal Government support

For details of the Australian Government’s support for businesses, visit the Treasury website.


A range of State 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 and keep up to date with the latest information and advice.

Further information is also available at

Australian Capital Territory

The ACT Government has a number of support schemes, including cash grants and a Small Business Hardship Scheme for eligible businesses impacted by lockdown measures. 

Visit the ACT Government website 

New South Wales

In addition to the 2021 COVID-19 Support Package to help businesses impacted by COVID-19 restrictions the New South Wales Government has launched the SME summer stock guarantee which has been designed so small and medium sized businesses can confidently invest in stock in the lead up to summer with COVID-19 restrictions easing.

This scheme enables eligible SME's with up to $50 million in turnover to access grants of up to $20,000 should restrictions change and they are unable to trade, leading to perishable and non-perishable goods going to waste.

Visit the NSW Government website 

Northern Territory

The Northern Territory Government has established the Territory Business Lockdown Payment to provide financial support to businesses during a lockdown period.

Visit the Northern Territory Government website 


The Queensland Government has announced 2021 COVID-19 Support Grants for lockdown-impacted businesses. 

Visit the Queensland Government website 

South Australia

The South Australian Government has announced cash grants as part of their Business Support Package for businesses impacted by the COVID-19 lockdown.

Visit the Government of South Australia website 


The Tasmanian Government has a Business Hardship Grant and Business Growth Loan Scheme available for eligible businesses.

Visit the Tasmanian Government website 


The Victorian Government has a number of support grants and programs available for small to medium businesses, and sole traders most affected by the latest lockdown.

Visit the Victorian Government website 

Western Australia

The WA Government has launched a number of initiatives to support businesses including financial support grants and relief packages.

Visit the Western Australian Government website 


Additional information for business customers

Merchant services

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

Many ANZ merchants have temporarily increased 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 has been 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. The temporary limit will apply until revised Government advice is received. Transactions above $200 will continue to ask for the PIN.

For further information go to


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Government SME Recovery Loan Scheme

  • Borrow up to $5 million
  • Loan terms up to 10 years
  • Secured or unsecured loan optionsdisclaimeravailable (excluding residential property)

Explore Recovery Loan 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.


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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


ANZ Business Planner

Use ANZ Business Planner – our 5-minute online survey covering some general questions about your business. And we’ll give you practical tools, content and articles that can help you move your business forward, one step at a time.

Get started

Handy tools and templates

Need to get in touch?

Contact your Business Banking Manager

Talk to them about what support may be available to you.

Request a call back

Our ANZ Business Banking Managers are here to help.

Request a call back

Call us

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

1800 413 950

The information set out above is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. By providing this information ANZ does not intend to provide any financial advice or other advice or recommendations. You should seek independent financial, legal, tax and other relevant advice having regard to your particular circumstances.

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.

All lending provided by ANZ under the Government SME Recovery Loan Scheme is subject to ANZ's credit approval criteria. Terms and conditions, fees and charges apply.

For information and eligibility, please visit the Government SME Recovery Loan Scheme. 

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.


For a secured loan, you’ll need to provide security acceptable to ANZ, meeting ANZ’s requirements, including minimum security coverage and suitable location. Residential property can’t be used as security under the Government SME Recovery Loan Scheme. 


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.