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Frequently asked questions

Here are the most commonly asked questions about the Coronavirus pandemic and your banking needs. We’ll be updating these regularly for both this evolving situation and as our support options progress.

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Home loans

Early access to super

Business customers

Support with your banking

More COVID-19 support
Get the latest on our COVID-19 response and learn what we’re doing to help you get back on top of things.

Home loans

Getting in touch 

You can contact the ANZ Customer Connect team on 1800 252 845.

If you have been up to date on your home loan repayments, but have missed a repayment for the first time between applying for COVID-19 Assistance and waiting for us to respond, this is okay. You won’t be disadvantaged by the time it takes us to contact you about your application. Your credit rating won’t be impacted and we won’t be contacting you to chase this missed repayment.

COVID 19 Assistance

If you are financially impacted by COVID-19 you may be able to put your home loan repayments on hold for up to six months to support you during your time of financial difficulty. ANZ may check in with you after your repayments have been on hold for three months to see if you need further assistance.

As COVID-19 may impact your ability to repay your home loan in a variety of ways, once you have requested assistance we will contact you and ask a few questions to better understand your situation and whether you are eligible.  

The COVID-19 Assistance offering is available on all ANZ Variable Rate loans (including Simplicity PLUS) and ANZ Fixed Rate loans (including owner occupier and investor and interest only/principal and interest repayments). It is not available on ANZ Equity Manager.

ANZ’s COVID-19 Assistance has been available since Monday 23 March 2020. 

It doesn’t matter when you request COVID-19 Assistance or if you make your request online or over the phone. We will call you back and our COVID-19 assistance will continue to be available. 

We are receiving a very high volume of enquiries at this time, but we will get back to you. Thank you for your patience.

Yes. Your redraw balance is the amount that you have already paid off on your home loan over and above the minimum repayments required. If your home loan repayments are put on hold as part of the COVID-19 Assistance offering, you will no longer be able to access the funds in redraw, and your redraw balance will be reset to $0. The total loan amount you owe us will be unchanged, because this was reduced at the time you made those extra repayments.

You may prefer to retain access to your funds currently in redraw to meet your financial commitments. As a Variable Rate customer you are able to retain access to funds you have already built up in your redraw balance by transferring this amount to your ANZ transaction account before you apply for ANZ’s COVID-19 Assistance. We can assist you to do this when we contact you about putting your home loan repayments on hold. Please remember that if you transfer funds from redraw, the outstanding balance of your loan will increase and you may end up paying more interest over the life of your loan.

If your application has been fully approved, this approval will still stand, even though you have applied for assistance. As per normal ANZ terms, draw down needs to occur within 6 months of when you signed your letter of offer.

If ANZ has provided a conditional approval we may contact you for further inquiries to better understand your current situation.

Information on the assistance for Personal Loan and Credit Card customers is available on our COVID-19 site.

When you make regular repayments on your home loan with a principal and interest repayment type, you are paying both the interest charged for that period and some of the principal amount (the original amount you borrowed). 

When you pause your repayments using the COVID-19 assistance, interest will continue to be charged on the total home loan amount that you owe us. Given you aren’t making any repayments, this interest will be added to the total home loan amount you owe us. 

The total loan amount you owe us therefore increases when repayments are paused during periods of deferment.

Repayments

If you are ahead on your repayments, you may not need to do anything just yet. This is because when your repayment is due, ANZ will use those extra funds to meet that repayment, meaning you keep up to date with your home loan.

An alternative if you have made extra repayments on your home loan is to consider accessing your redraw balance first. Your redraw balance is the amount you have already paid off on your home loan in excess of the minimum repayments required. Should you wish to use your redraw funds to make your regular home loan repayments, transfer these funds to your linked transaction account using ANZ Internet Banking.

Other options that might be available to you include making repayments using: 

  • funds in your linked offset account, or 
  • other deposit balances you may have available to make loan repayments. 

You can find details of any amount you have available, as well as the balance of the relevant ANZ deposit accounts you have (such as an offset account for your home loan), on ANZ Internet Banking.

If you are currently paying more than the minimum repayment amount, you also have the option to reduce your repayments to the minimum. You can do this through ANZ Internet Banking (instructions available here) or by contacting ANZ on 13 25 99.

If these options are not suitable, you can learn more about assistance options that may be available to you.

Before you make any decisions, take time to think through the options available to you and what different options may mean for you (e.g. some may result in you paying more interest).  

If you are eligible for this assistance, you can put your home loan repayments on hold for up to six months. ANZ may check in with you after your repayments have been on hold for three months to see if you need further assistance.

If you are eligible, we will put the repayments on your home loan on hold for a period of up to six months. ANZ may check in with you after your repayments have been on hold for three months to see if you need further assistance. This means that you’re not required to make any repayments on your home loan during the assistance period.

Please note that during the assistance period interest will continue to be charged on your home loan and given you are not paying this interest in your repayment, the unpaid interest will be added to the total loan amount that you owe us. If you take up the COVID-19 Assistance, you may end up paying more interest over the life of your loan.

At the end of the COVID-19 Assistance period your home loan repayments will start again.

If you are making principal and interest repayments, you have two options to catch up on the repayments that were put on hold:

  1. Your loan term can be extended by a period equal to the duration of the assistance provided and your repayments will be adjusted accordingly, or
  2. You can keep your original loan term and your repayments will be adjusted to ensure you pay your loan off over the original loan term. 

If you are currently making interest only payments, you will keep your original loan term and your repayments will be adjusted to ensure you pay your loan off over the original loan term (i.e. option 2 outlined above).

If, at the end of the COVID-19 Assistance period, you continue to have difficulty meeting your repayments you can discuss your options with the ANZ Customer Connect team.

When you have an ANZ Fixed Rate loan, you can’t access any funds you’ve paid in addition to the required repayment amount until the end of your fixed rate period, when the loan converts to a Variable Rate loan. 

If during a fixed rate period, you apply for ANZ’s COVID-19 Assistance to put your repayments on hold, it is important to know that if your repayments are put on hold, any extra amount you have already paid on your loan will not be available as redraw when the loan converts to a Variable Rate home loan. You will not have lost that money, because it has already been used to help reduce your loan balance.

Yes – on ANZ Variable Rate home loans you can make uncapped additional repayments up until you pay off the loan. 

However, all ANZ Fixed Rate home loans have an annual limit for additional repayments during the fixed period. If you make repayments greater than the annual limit, you may be charged an early repayment cost (PDF, 47KB) which may be substantial.

  

No, please don’t be concerned. During the period you put your repayments on hold as part of the COVID-19 Assistance offering, your loan will not be reported to credit reporting agencies as being behind on repayments.

If, however, you have missed a repayment before requesting COVID-19 Assistance, you may not be eligible for ANZ’s COVID-19 Assistance offering. Please contact ANZ Customer Connect to consider whether you can apply for assistance through ANZ’s normal hardship process.

If you have lodged an online request but have not yet heard back, we will contact you as soon as possible.

If you take up the COVID-19 Assistance offering, your repayments will be put on hold  for up to six months and you will not be charged a late payment fee during this time. If you have already missed repayments prior to requesting the COVID-19 Assistance, your individual case will be managed with your Customer Connect consultant when we call you back.

Generally there are no additional restrictions if you sell your house or renegotiate your loan while your repayments are on hold during the COVID-19 Assistance period.

However, if you renegotiate your loan, this will be a variation to your contract with ANZ and will cancel the assistance that has been applied to your loan. Don’t worry though, you are can re-apply for COVID-19 Assistance and will not be penalised for doing so.

Please note, if you do sell your house or renegotiate your loan, you will be subject to the normal ANZ terms including applicable fees and charges. For example, if you sell your house or renegotiate your loan during the fixed period, you may incur an early repayment cost (PDF, 47KB) which may be substantial.

If you have an ANZ Variable Rate home loan with principal and interest repayments, or are currently on or rolling off the ANZ COVID-19 Assistance offering, you may want to consider applying to switch to interest only payments for 6 or 12 months. This will temporarily reduce your repayments as you will only be paying the interest portion of your repayment.

How to apply

The temporary COVID-19 interest only renewal process, is designed to make it easier for eligible customers who meet certain credit approval criteria to either switch from principal and interest to interest only payments for 6 or 12 months, or to renew an interest only period 6 or 12 months.

Eligibility

Please check with your lender to see if you’re eligible to apply for this process. All applications must be drawn by March 31, 2021.

If you are not eligible for the temporary COVID-19 interest renewal process, normal credit approval criteria applies. If you switch to interest only repayments for a period, you will end up paying more interest over the life of your loan. Speak to your lender for further information or see our explanation of different repayment types.

If you are an ANZ Fixed Rate home loan customer and switch to interest only repayments during your fixed rate period, you may incur an early repayment cost (PDF, 47KB) (which can be very large and which may vary from day to day).

General

Interest on an ANZ Variable Rate home loan will continue to be charged at the applicable daily interest rate, which can change from time to time.

If you are on an ANZ Fixed Rate home loan, your rate during the fixed period will not change.

If you have concerns about meeting your repayments after the COVID-19 Assistance period, you will need to contact ANZ Customer Connect on 1800 252 845.

ANZ Fixed Rate home loans are designed to give you interest rate and repayment certainty for the length of your fixed rate term.  

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 you are required to break your loan and may have to pay an early repayment cost (PDF, 47KB) which may be substantial.

If you still want to proceed, you may be able to add this early repayment cost to your new ANZ home loan, however this requires you to complete a full loan application because this results in an increase in your loan amount. This application is subject to normal ANZ credit approval criteria.

Business customers

Getting in touch

We ask that you contact your business banker or request a call back from a business banker in the first instance. Where required, we will then refer you to the relevant specialist team.

 

Please contact your Assistant Manager or email your Relationship Manager. We’re doing our very best to support you and are working around the clock to help our business customers through this challenging time. Thanks for your patience as we respond to queries.

 

Due to high call volumes, please do not call the support line if you've already submitted an online request for a call back. We will call you back as soon as possible and you will not be disadvantaged by any delay in ANZ contacting you. Thanks for your patience as we work hard to respond to our business customers in a timely manner through this challenging time.

 

COVID-19 support

The ANZ COVID-19 support package is aimed at helping business customers financially impacted by COVID-19 to manage their expenses through this challenging time.

If you wish to apply for the support package please contact your ANZ Relationship Manager. If you don't have a Relationship Manager, you can request a call back from a banker or call our support team on 1800 413 950 to discuss your needs in detail.

 

Please contact your Relationship Manager who will be able to assist you to apply.

If you don't have a Relationship Manager, you can request a call back from a banker or call our support team on 1800 413 950. Please note that we are experiencing high volumes of calls and are committed to helping all of our customers and will be responding to everyone as soon as we can.

 

All ANZ business customers financially impacted by COVID-19 are able to apply for the support package.

We're here to help, so contact your ANZ Relationship Manager. If you don't have a Relationship Manager, you can request a call back from a banker or call our support team on 1800 413 950 to discuss your needs in detail.

  

No specific preparation is required; you just need to answer some simple questions about how COVID-19 has impacted your business. Please have your account details available to assist with the identification process.

 

SME Guarantee Scheme 

Available to new and existing ANZ business customers, the options available depended on the size of your business and included:

  • A new three-year business loan of up to $250,000, with a six-month deferral on repayments (interest capitaliseddisclaimer)
  • A new six-month business overdraft of up to $250,000, with a six-month deferral of interest (interest capitaliseddisclaimer). At the end of the six months, you will have the option of fully repaying the overdraft or rolling the balance into a term loan for up to 2.5 years.

Eligibility and credit criteria applied, included:

  • Customers were small and medium-sized businesses with a turnover of less than $50 million can apply
  • Available for new borrowing only, which had to be unconditionally approved by 30 September 2020
  • Your business must have had an ABN and be based, registered and operating in Australia 
  • The loan must have been used to support current and upcoming business cash flow needs only (including working capital, liquidity and operating expenditure)
  • The loan could not be used to refinance facilities with us or another lender
   

JobKeeper

For guidance on the JobKeeper Payment scheme, including eligibility criteria and how to enrol, please visit the ATO website.

 

How to prepare:

Please reach out to us if you require temporary financial assistance once you’ve successfully enrolled for the JobKeeper Payment scheme. Ensure you have the following four items with you before you contact us:

  • A valid Australian Business Number (ABN);
  • Australian Taxation Office (ATO)-provided JobKeeper Business enrolment for JobKeeper subsidy receipt;
  • The ANZ Business Account number you currently use to pay your employees; and
  • The number of eligible employees that you advised the ATO
 

Please reach out to us if you require temporary financial assistance once you’ve successfully enrolled for the JobKeeper Payment scheme. Ensure you have the following four items with you before you contact us:

  • A valid Australian Business Number (ABN);
  • Australian Taxation Office (ATO) provided JobKeeper Business enrolment for JobKeeper subsidy receipt;
  • The ANZ Business Account number you currently use to pay your employees; and
  • The number of eligible employees that you advised the ATO

To discuss what options may be available to your business, you can:

 

If you’re eligible for the Australian Government’s JobKeeper Payment scheme, contact us to discuss the ways that we can help eligible business customers bridge the gap before payments are received. Options for eligible business customers may include a temporary increase to an existing overdraft, a new temporary overdraft, new lending at lower rates or a repayment deferral on existing term lending with interest capitalised.disclaimer

More information about the Australian Government Guarantee Scheme can be found in our ANZ Next Steps FAQs.

 

We have support options available for eligible businesses affected by the financial impacts of COVID-19. To discuss which options may be available to your business, please contact your business banker, request a call back or call the COVID 19 support team 1800 413 950.

More information about the Australian Government Guarantee Scheme can be found in our ANZ Next Steps FAQs.

 

If you have a current ANZ JobKeeper facility we will be in touch with you prior to its expiry regarding the options available to you. These options may include extending the facility should you still qualify.

To discuss what options may be available to your business, you can:

   

General

  • First unplug all the wires or devices from your ANZ merchant terminal.
  • Clean the outside of the terminal using a soft cloth (slightly soaked with soapy water). Avoid excessive wiping that may cause damage to the terminal (note that cosmetic wear is not covered under warranty).

  • Avoid exposing the terminal to direct sunlight
  • Don’t clean any electrical connections
  • Don’t spray cleaners directly onto the terminal
  • Don’t use solvents, detergents, aerosol sprays or abrasive products
  • Don’t get moisture into any openings
  • Don’t put anything into the slot of the smart card reader

Important Information

Non-touch merchant terminals have plastic lenses. Don’t use alcohol cleaning solutions (isopropyl 70%) on these terminals. It’s ok to clean touch-screen glass terminals (such as the ANZ POS Move terminal) with such alcohol cleaning solutions.

 

Accessing your super early

What assistance is available?

Update on 23 July 2020: The Government has announced an extension of the scheme from the current end date of 24 September 2020 to 31 December 2020.

If you are under financial stress, you may be able to access up to $10,000 of your super from 1 July 2020 until 31 December 2020. You can apply directly to the Australian Taxation Office (ATO).

Before applying

This information is current as of September 2020

See the government’s advice on accessing super early due to COVID-19

Broadly, you may be eligible for early access to your super if one of the following apply:

  • you are unemployed;
  • you are eligible to receive one of the following: Jobseeker payment, Youth Allowance payment for job seekers, Parenting Payment (including the single and partnered payments), special benefit or Farm Household allowance;
  • on or after 1 January 2020 you:
    • were made redundant;
    • your working hours were reduced by 20% or more (including to zero); or
    • are a sole trader and your business was suspended or there was a reduction in turnover of 20% or more.

These payments are tax-free and not treated as income under the Centrelink or Veteran’s Affairs income test.

It is important to consider matters such as the following before making an application to withdraw your super early:

  • Reduction of your retirement super balance – the impact to your long-term super balance from any amount you withdraw early. This could significantly impact your retirement savings if you are at the start of your working life.
  • Impact to your insurance cover – you may affect any insurance cover connected with your super account. If your account does not have a sufficient balance to cover the insurance fees your insurance cover may be cancelled. If your insurance cover is cancelled, you will need to re-apply for insurance cover which may include underwriting and health forms or different terms and conditions to the current insurance cover you hold.
  • Seeking financial advice – before you consider whether to access your super early, it may be beneficial for you to speak with a professional financial adviser.

Other financial relief options may be available to you before you consider whether to access your super early including:

Learn about the assistance ANZ may be able to provide you with by visiting our COVID Support page.

See what financial support the Government is providing by visiting the Economic Response to the Coronavirus page from the Treasury. 

Applying for early access to super

You can’t apply directly to your super fund.

All applications are completed online directly to the Australian Taxation Office (ATO) through the myGov website. Just make sure you have your myGov account linked to your ATO account.

  1. Between 1 July 2020 and 31 December 2020, Australian and New Zealand citizens and permanent residents only can apply directly to the Australian Taxation Office (ATO) through their myGov account via the myGov website. You’ll need to have a myGov account set up and linked to your ATO account. You will also need to have your tax file number and bank account details available.
  2. If your application is approved, the ATO will issue a ‘determination notice’ in 2-3 days to your myGov inbox and will also provide a copy to us, authorising us to release your super and make a payment to you.
  3. We will then automatically pay the lump sum from your super account to your nominated bank account via Direct Credit. You do not need to inform us to do this.

You may only make one submission in each financial year 2019/20 and 2020/21.

In line with Government expectations of 5 business days, your withdrawal payments will be processed as quickly as possible. If we have your mobile number on record we will keep you updated on your request’s progress by SMS.

More resources

You can find additional information about accessing your super early, and other Government-led support initiatives on these websites:

Further COVID-19: information and insights on anz.com

Support with your banking

Getting in touch

We're here to help, however are currently experiencing a large volume of calls. We'll be with you as soon as we can so thank you for your patience.

If you have the ANZ App, you can call straight from the app. Visit the Support tab, then choose the topic you'd like to find out more about. Tap the Call Us Now button to fast-track your call straight to a specialist, with your identity already confirmed.

You can access ANZ Phone Banking 24 hours a day, 7 days a week. Call 13 13 14 to access your phone banking.

We're here to help you get back on top of things. You can find out the ways that we can support you during this time at our COVID-19 hub. On this page, you'll be able to find the information that's most relevant to you. You'll also find instructions on how you can access support.

We're currently experiencing a large volume of calls. If you need to give us a call, know that we'll be with you as soon as we can. If you have the ANZ App, you can call straight from the app. Visit the Support tab, then choose the topic you'd like to find out more about. Tap the Call Us Now button to fast-track your call straight to a specialist, with your identity already confirmed.

If you’d like free, independent advice if you are in financial hardship, you can find your nearest Financial Counsellor by calling the National Debt Helpline on 1800 007 007.

Helping a family member

Yes – you can get someone added as a 3rd party, give us a call. But we can’t do this process over the phone. 

Please call us on 13 13 14  to find out more.

This will depend on the powers that have been granted to you under the POA. If the POA gives you the authority to do so, you can request to have the account linked to your own Customer Registration Number (CRN) which would allow you to manage your relative's online banking through your Internet Banking and ANZ App registrations.

No. You must have been provided authority by the account holder and have completed the appropriate forms.

Yes. You may nominate a third party to be an authorised signatory on your bank account. Please call us on 13 13 14 to find out more.

Getting to a branch

Yes. As an essential service, ANZ branches remain open across Australia, but we may need to adjust opening hours or temporarily close some branches.

Before visiting a branch, please check the most up-to-date information about opening hours at your local branch. Find your closest ANZ branch here.

  

As an essential service for the community ANZ is very much open for business, but we are seeing the need to adjust our opening hours or temporarily close some of our branches. Check the most up-to-date information about your local branch.

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
  • You are under advisement from your state/territory to self-quarantine following domestic travel

 

ANZ has many ways to bank. You can access your ANZ accounts 24 hours a day and do most of your banking via ATMs, ANZ Internet Banking, ANZ Phone Banking and the ANZ App. If you need help with these options please call 13 13 14.

 

ANZ App

You can take care of the day to day with the ANZ App. Activate an eligible card and set your card PIN, see more information about your purchases, view your statements and more.

Find out more.

 

ANZ Internet Banking

If you have a computer or tablet, you can use ANZ Internet Banking to  manage your daily payment limit, request a replacement card, transfer money overseas and more.

Find out more.

 

ANZ Phone Banking

If you can't access the ANZ App or ANZ Internet Banking, you can do the basics with ANZ Phone Banking. Check your balance, transfer funds between linked accounts, pay bills via BPAY® and more. Call 13 13 14.

Find out more.

 

ATMs and Smart ATMs

At ANZ ATMs, you can deposit and withdraw, check your balance, transfer between linked accounts, and change your PIN. Find your closest ATM here.

Find out more.

No. Centrelink does not currently require customers to provide an Employment Separation Certificate or Bank Statement as part of the application process for a payment or service.

This is an interim measure to make it faster and easier for people to apply for Centrelink support due to coronavirus (COVID-19). 

For more information, please visit the Centrelink website.

Doing your banking

If you have a Passbook account, please call us on 13 13 14 to discuss options that may be available to you to do your banking without going into a branch. 

If you prefer to come in to one of our branches, please check here to ensure your branch is open before you go.

Online banking is secure and available whenever it suits you. You can use ANZ Internet Banking to manage your money using your smartphone, desktop or tablet.

Before you get started, you'll need your Customer Registration Number (CRN). This is the nine-digit number given to you by an ANZ consultant. If you dont have a CRN, you can find it by clicking 'Forgot login details?' on the Internet Banking log in page. Or you can call 13 33 50  (overseas +61 3 9683 8833).

Alternatively, you can register for ANZ Internet Banking using your ANZ card, PIN and registered mobile number. Get started here.

Once you've registered for ANZ Internet Banking, you can also download and log in to the ANZ App. Find out more.

Tip! Make sure to keep your login details and passwords safe and don’t share them with anyone.

It's important that you keep your banking and personal information secure. There are four steps to protecting your virtual valuables.

  1. Pause before sharing your personal information. Ask yourself, do I really need to give my information to this site or this person?
  2. Activate two layers of security. Use two-factor authentication for an extra layer of security to keep your personal information safe.
  3. Call out suspicious messages. Be aware of current scams. If an email, call or SMS seems unusual, check it through official contact points or report it.
  4. Turn on automatic software updates. Set your software, operating system and apps to auto update to make sure you get the latest security features. We update the ANZ App frequently to keep you safe.

Find out more about how you can stay safe.

We are always here to help answer questions about your everyday banking and ANZ accounts.

We know that having the confidence to bank online is important, and we want you to feel safe and confident when doing so.

If you’d like more support, the Be Connected program is an Australian government initiative committed to improving the online confidence, skills and safety of seniors.

Be Connected offers a free online banking course that teaches older (and other) Australians to transfer funds, check balances, download statements, pay bills, set strong passwords, avoid scams and use safe ways to communicate with your bank.

It also features a simulated online bank, called Squirrel Bank — to help you practise skills learned in the course and help increase your confidence to bank online.

You can find out more about the course by visiting the Be Connected website or calling the Be Connected Helpline on 1300 795 897.

Cash

ATMs will remain open and you can still continue to withdraw cash if you need it. We do encourage customers to use the ANZ App or their ANZ card instead of handling cash at this time.

If you're able to do your banking using ANZ Internet Banking or the ANZ App, we encourage you to do so. This will help keep ATMs available for the people who need them.

If you can't access an ATM, you can also withdraw funds from supermarkets using an ANZ Visa Debit card at the point of purchase (EFTPOS) or at the self-serve check outs.

There are a few ways you can avoid handling cash. Simply hold your ANZ Visa Debit card, credit card or digital wallet over the terminal to make a payment. Even better, you won’t need to touch the terminal to enter a PIN for many purchases. Alternatively, making payments online or over the phone is another great way to avoid unnecessary contact.

If you don’t have an ANZ Visa Debit card, but would like to order one please visit a branch, or call us on 13 33 33 from Mon-Fri, 8am to 8pm (AEST).

To reduce contact with cash, cards and PIN pads, you can use your compatible phone or wearable device to make easy and secure no-contact payments in store. Load your eligible ANZ card to Apple Pay, Samsung Pay or Google Pay. Also available on compatible Fitbit and Garmin wearables.

Visit our mobile payments page to learn how to set up a digital wallet.

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.

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.

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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