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We're here to help you get back on top of things

As the impact of COVID-19 is felt across the country, we want to reassure you that we're here to help. We're in this together and your financial wellbeing is a top priority.

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Latest updates

Support options

Ways to bank

Staying safe

Get in touch



Thanks for your patience – we will call you back

Our contact centres are experiencing a really high number of calls at the moment. If you're contacting us about our support options or experiencing financial hardship, please get in touch and we will respond as soon as we can.

For everything else, please use the ANZ App or Internet Banking where possible. We're putting on extra team members to help, so rest assured we are here for you, and we will get back to you. Thanks again and stay safe.

Latest updates

Check back for the latest Coronavirus (COVID-19) updates and guidance.

View branches closed due to COVID-19

ANZ supports Government’s latest stimulus package – 26 March 2020

ANZ launches major COVID-19 support package – 20 March 2020

Support options

Personal customers

We’re here to help you stay on top of your home loan.

Access the funds you need with changes to your current home loan

Listed here are a range of options for you, including how to reduce your repayment to the minimum repayment amount.

For existing ANZ Standard Variable Home Loan customers

We’ve decreased the standard variable home loan rate by 0.15% p.a. (effective Friday 27 March 2020.)

If you are currently paying more than the minimum repayment amount, you have the option to reduce your repayments to the minimum repayment amount. If you'd like to change your repayment amount, you can do so on ANZ Internet Banking (instructions available here) or by contacting ANZ.

New Fixed Rate Home Loan option

Available now is a  2 year fixed ratedisclaimer ( comparison rate comparison rate)disclaimer for owner occupiers paying principal and interest with the ANZ Breakfree Package (annual fee $395).disclaimer

If you have an ANZ fixed rate home loan which is still within a fixed rate period and want to switch to the new rates, then it’s important that you know that you are required to break your loan, and you may have to pay an early repayment cost (PDF, 47KB). This cost may be substantial so talk to your ANZ lender or Broker first or call us on 1800 035 500 8am to 8pm Mon – Fri (AEST).

Pause your repayments

If you’re experiencing financial difficulty due to COVID-19, ANZ may be able to support you by putting your home loan repayments on hold for up to six months, with interest capitaliseddisclaimer. If you pause your repayments, ANZ will check in with you after three months.

Find out more Request a call back

If you're worried about your personal credit card debt and your ability to make repayments, you should contact us.

We have tools and resources that may help relieve financial stress, like transferring to a product with lower interest rates, changing your credit limit, and setting up direct payments to help you stay on top of things. Visit this page for more information.

If you’re an ANZ customer having difficulty making credit card repayments, request a call back to talk to us about financial hardship assistance.

If you’re currently paying more than the minimum repayment amount on your existing ANZ variable rate personal loan, you have the option to reduce your repayments to the minimum. This could help make some money available for other expenses you might need to cover now.

ANZ won’t automatically reduce your repayments to the minimum, so if you'd like to change your repayment amount you can do so on ANZ Internet Banking (see instructions) or by contacting ANZ.

If you’ve paid more than the minimum personal loan repayments on your existing ANZ variable rate personal loan, then you may have funds in a redraw facilitydisclaimer to access. You can check by logging onto ANZ Internet Banking.

Or if you have other deposit balances available to you to make loan repayments, now may be the time to consider using them.

If these options aren’t suitable, request a call back to talk to us about financial hardship assistance.

ANZ Smart Choice Super and COVID-19 FAQs

We understand there’s a lot of uncertainty right now. As the world reacts to the coronavirus (COVID-19) pandemic, we want to reassure ANZ Smart Choice Super customers we’re here to help. 

Learn more


Getting access to your ANZ share investing account

Having trouble getting in touch? We’re currently experiencing higher than usual call volumes. Please see our FAQs on accessing your account.

Learn more


Accessing your investment lending account

We are currently experiencing higher than usual call volumes. Find out how you can access your investment loan information.

Learn more

Business customers

Helping you get through the ups and downs of business

If your business has been affected by the financial impacts of COVID-19, we’re here to help with financial support.

  • 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

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.

Find out more Business customers
Request a call back

Ways to bank

Download the ANZ App

The ANZ App is a great way to manage your money either at home or on the move. It even includes features to help you better understand your spending.


Internet Banking

Internet Banking is ideal for doing your banking at home. Transfer money, pay anyone, view your accounts and more 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

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 easier.

Find a nearby ATM

 Help us get through to you as quickly as possible. Take a moment to check your contact details are up-to-date. Find out how.

Staying safe

Protecting our staff and customers

We’re doing everything we can to look after our staff and customers, so in line with Government requirements, please don’t visit our branches if any of the following applies to you:

  • You have travelled overseas in the past 14 days
  • You have been in contact with someone who has been diagnosed with COVID-19
  • You are experiencing fever, breathing difficulties, fatigue, a cough or sore throat

View current branch closures

Be careful of scams

Look out for suspicious emails, calls or text messages claiming to be from us, other organisations or government authorities.

See our latest security alerts

Cashless payments

Did you know there are ways you can avoid handling cash?

When buying something, simply hold your ANZ debit card, credit card or mobile device over the payment machine found in most shops and you’re done. This works for payments under $100.

Learn more about contactless payments.

Government updates

Australia's economic response

The Australian Government has announced a series of economic stimulus packages to help support affected workers, businesses and the broader community. This includes two separate $750 payments to eligible Australians starting 31 March, 2020. To learn more, or to find out if you’re eligible, visit the Treasury website.

Latest health information

Get the latest information on how the Australian Government is monitoring and responding to the COVID-19 outbreak, how you can help slow the virus and what to do if you have symptoms. To learn more, visit the Department of Health website.

Latest travel information

Only Australian citizens, residents and immediate family members can travel to Australia at present and are required to self-isolate for 14 days. Travel restrictions are subject to change, so check the Home Affairs website for the latest information.

Need to get in touch?

We're receiving a large number of calls. Please be patient with us as we get in touch.

Home loan repayment deferral or financial hardship

Looking to defer home loan repayments for up to six months or seeking financial hardship assistance?

Apply now

Home loan customers

Want to talk about our new rates? Talk to us or speak to your broker.

Want to change repayments or access redraw?

Use internet banking to:

No internet banking access?

Business customers

8:30 – 6:00pm AEST (Mon-Fri)

Request a callCall 1800 413 950

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

Interest rates on this page are subject to change. 

BPAY is registered to BPAY Pty Ltd. ABN 69 079 137 518. 

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.

App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trade marks of Google Inc.

Rate incorporates a Breakfree discount applied to eligible home loans linked to the Breakfree package. ANZ Breakfree discounts and benefits apply only while the customer maintains the package and meets ongoing eligibility criteria.

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This Comparison Rate is for secured loans of $150,000 over 25 years based on monthly repayments, including minimum Breakfree discount.

WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Fixed home loans aren’t for everyone and early repayment costs may apply if you repay your loan or switch to another one before the end of your fixed term or make early or additional repayments. Once the fixed rate period ends, the loan reverts to a variable rate loan and repayment amounts will change.

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* Annual package fee currently $395 and subject to change. Eligibility criteria and terms and conditions apply, including a minimum total mortgage lending requirement of $150,000. See ANZ Breakfree Terms and Conditions for details. ANZ Breakfree package benefits only apply while you maintain the package and meet ongoing eligibility criteria. Terms and conditions and fees and charges apply to products and services taken out in connection with an ANZ Breakfree package.

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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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Terms and Conditions and eligibility criteria apply to ANZ Redraw. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF 308kB).

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