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Bank guarantees

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

Connect with a business banking specialist

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.


Cash Cover Indemnity Guarantee

Choose a guarantee fully secured by cash

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.

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Any questions about guarantees?

Request a call back

Have us call you back to discuss your business needs

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Call us

Mon-Fri 8.30am to 8pm (AEST)

1800 801 485


Visit a branch

Locate an ANZ branch and talk to a business banker near you.

Find your local business banker


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.

Products are available to approved applicants for business purposes only. All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditionsFees and charges and eligibility criteria apply.

We recommend you obtain independent advice from a financial planner and registered tax agent if you are considering whether these products are right for you.

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.