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COVID-19 response for business customers

We’re here to help you 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

ANZ Business Planner

Business banking

Government resources

Additional information

Access to new loans

Handy tools and templates

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Our latest COVID-19 update

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 one, you can request a call back or call our support team on 1800 413 950.

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. This is an option that may be available to you.

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.

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

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


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


Access to new loans to support economic recovery for business owners

To support our business customers to access capital as the economy recovers, ANZ is pleased to be providing further long-term funding support through the Australian Government SME Guarantee Schemes.


Government SME Recovery Loan Scheme - all lending contracts under the scheme must be entered into by 31 December 2021

Available to businesses with an ABN and with an annual turnover of less than $250m who accessed JobKeeper payments between 4 January - 28 March 2021.

It is also available to businesses that have been impacted by the March 2021 floods.

What's available for eligible customers?

  • Borrow up to $5m
  • Loan terms of up to 10 years
  • Where eligible, capacity to refinance existing loans (including government guaranteed loans)

Find out more about ANZ’s support for the Australian Government SME Recovery Loan Scheme.


Phase 2: SME Guarantee Scheme – Closed for applications

Find out more about ANZ's support.


Phase 1: SME Guarantee Scheme - Closed for applications

Find out more about ANZ's support.


Want to know more?

Our ANZ Business Banking Managers can talk with you about your needs and the Government SME schemes available.


Request a call back


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

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

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 Australian Government SME Guarantee Scheme and the 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 Guarantee Scheme and 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.


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.