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Bank guarantees

Build and grow your business by providing suppliers, landlords and other business partners with certainty of payment.

ANZ Indemnity Guarantee


An ANZ Indemnity Guarantee (or Bank Guarantee) is an alternative to providing a deposit or bond directly to a supplier, vendor or landlord.
It gives them certainty that ANZ will pay them and you the flexibility to extend your payment terms.

Flexible security options

We're flexible with security options, depending on your business needs and circumstances. Security can include cash, residentialdisclaimer, commercial or rural property or a combination of both.

No minimum or maximum amounts

Work with a business specialist to customise a guarantee that meets your requirements. Rates and fees are available on application.

Widely accepted by Australian businesses

Our guarantees are a trusted financial commitment that can give you flexibility to extend your payment terms.

Earn interest on any cash security

When you use cash as security for your guarantee, you can earn interest on money you would otherwise have paid to the third party.

Choose a guarantee fully secured by cash


Cash Cover Indemnity Guarantee

A Cash Cover Indemnity Guarantee Facility is 100% secured by cash and eligible customers can apply using a simple, fast-tracked application process. Then your cash is held in a dedicated ANZ bank account, earning you interest.

Any questions about guarantees?


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Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you.

ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide (PDF 104kB) before acquiring the product.

All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditions and Fees and charges apply.

In order to open a guarantee, you must also nominate another transaction account maintained with ANZ (“Nominated Transaction Account”) into which interest earned on your guarantee will be paid. In the absence of such nomination, or should your Nominated Transaction Account be closed or its operations suspended, ANZ may pay interest on your guarantee to you in any other manner it deems to be appropriate.

Residential property does not include property development or speculative residential construction.


In 2016 and 2017 the ANZ Business Loan was awarded ANZ CANSTAR’s 5-star rating for Business Loans.