HOWTWO Small Business Support Programme

We’re on a mission to support small businesses. That’s why we’ve designed the HOWTWO Small Business Support Programme to empower you with the confidence, tools and insights to help get your business beyond year two.



To join ANZ HOWTWO, you need to apply for the ANZ Business Start-up package. To be eligible, you must:

  • Have an annual turnover of less than $500,000
  • Have been in business for less than two years, or be a new ANZ Business customer applying for the package 
  • Not had an ANZ Business Start-up package before
  • Meet our other customer eligibility and lending criteria, see ANZ Business Start-Up Package terms and conditions (PDF 750.1KB) – these terms apply to applications received from 1 March 2024. 

How to apply

From overseas: +64 9 523 7220

Support for your business

Exclusive offers on third-party digital tools

Take advantage of exclusive third party offers on innovative tools to help with payroll, cash management and connecting your bank records with your online accounting software.

Thinking of starting a business?

Our guide can help you turn that niggling desire to start or buy your own business into a gratifying reality. It includes tips, information and templates to help you plan a successful business.

Biz Hub

Access a range of articles, videos, practical guides, templates and webinars to help you start, run and grow your business.

Insights for your business

Related products and services

Important information

ANZ Visa Business Conditions of Use apply to the use of the Card, a copy of which, along with details of fees, is available by calling 0800 269 249, at any branch or on our website under Terms and Conditions.

Eligibility, lending criteria, terms, conditions and fees may apply to all ANZ products and services. Details are subject to change.

Talk to us for financial advice and see our advice statement at ANZ doesn’t warrant the quality of third-party goods or services, or the suitability for your circumstances. To the extent the law allows, ANZ doesn’t accept any responsibility for any loss you suffer from using or acquiring those goods or service.