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Supporting our business customers

We're here to help you get back to business and support those still financially impacted by COVID-19.

Please contact us as soon as you can if you are finding things tough.

Business Banking

For Business Banking, email or phone your Business Banking Manager or call our Contact Centre on
0800 269 249.

Commercial & Agri and Institutional Banking

For Commercial and Agri customers, email or phone your Relationship Manager or for non-lending queries,
call 0800 212 269. For Institutional Banking, please contact your ANZ Account Manager.


Some ways we can support Business Banking and Commercial & Agri customers:

  • We have relief options to help business customers who are struggling to meet their loan repayments. Terms apply.disclaimer
  • Business customers with an ANZ Home Loan can apply for home loan repayment deferrals, with repayments restarting no later than 31 March 2021 — terms apply.disclaimer
  • A waiver on loan restructuring fees.disclaimer
  • If you meet hardship criteria, the ability to withdraw business term deposits early without an interest rate reduction.disclaimer 

Where applicable, these reductions have been automatically applied to your accounts, you don’t need to do anything.

The information, offers, and interest rates above are current as at 1 October 2020 but may change without warning.

Running your business at Alert Level 1

Use our handy checklist to help you prepare and run your business during Alert Level 1.

Government support for businesses

Check out the Treasury’s guide to what support packages are available

to businesses affected by COVID-19 and how to access them.

The Reserve Bank announced on 17 August 2020 , that eligible Kiwis can continue to apply for loan repayment deferrals (and extend existing deferrals). But, any new or extended deferrals must end (and repayments must restart) on or before 31 March 2021. 

If you’re a business customer with an ANZ Home Loan, and want to apply for a new or extended deferral, please be aware we’ve made some changes to our eligibility criteria, including some extra steps to make sure we continue to act responsibly. Maximum deferral periods also apply.

If you’re currently on a deferral and can restart your repayments, talk to us today – the sooner you restart repayments, the less you’ll pay in interest over the life of your loan.

If you need to discuss your home loan options, please call us on 0800 269 249.

ANZ Home Loan must be secured by mortgage over a residential property. Lending criteria, terms and conditions, and fees apply.

The Government's Business Finance Guarantee Scheme (the ‘scheme'), enables some businesses (Government-defined eligibility criteria applies) with annual revenue up to NZD 200 million to apply to participating banks for loans of up to NZD 5,000,000 for up to five years. 

ANZ is a participating bank in the scheme, following a normal lending process to make lending decisions according to the eligibility criteria set by the Government.  Like any loan, businesses are required to repay a loan taken out under the scheme. Interest, standard fees and credit criteria apply. 

While the scheme will provide necessary support for eligible businesses, it is important to note that additional funding will add to the costs of running your business and will need to repaid within a maximum term of five years, so should be considered carefully and factored into your business plans. 

As part of updating your plans consider:

  • What a return to more normal business might look like over 2-3 years.
  • Assumptions made to estimate these impacts.
  • All additional measures available to the business, including other Government support options, reduced operating expenses (for example, reduced or deferred costs, distribution) and any additional sources of income and/or capital. 

To find out if you are eligible to apply for a loan under the scheme, take a look at the criteria below.


Eligibility criteria for the Business Finance Guarantee Scheme

Your business may be eligible to apply for a loan under the scheme if it:

  • had, at the end of its most recently completed financial year (or, if your business has been operating for less than one full financial year, expects to have in its first full financial year) revenue of up to $200,000,000 (determined on a consolidated basis if the business is a member of a guaranteeing group);
  • is a New Zealand-based business and does not involve an activity that is excluded under the scheme;
  • is not a local authority, a council-controlled organisation or a council organisation for the purposes of the Local Government Act 2002; and
  • requires the loan for the purpose of responding to, positioning itself to recover from; or recovering from, the impacts of COVID-19.

Additional eligibility criteria under the scheme and ANZ lending criteria, fees and terms and conditions apply.  You will be required to provide security to ANZ if sufficient security is not already held.

In assessing your application, ANZ will need to look at the impact of COVID-19 on your business operations, its trading position before the COVID-19 crisis, and your plan for when the country returns to something resembling normality. 

If your application is approved, you will need to certify to ANZ that each of the above statements in relation to your business is correct.


A loan taken out under the scheme:

  • Can only be used for the purpose of responding to, positioning itself to recover from; or recovering from, the impacts of COVID-19, and not for any excluded purpose or excluded activity.
  • A business and its guaranteeing group may not at any time while it has a supported loan from ANZ, apply for a loan covered by the scheme from any other bank.
  • Will be provided as a Term Loan and with the repayment options of either a principal and interest for the full loan term or interest only for 6 or 12 months followed by principal & interest for the remaining term of the loan.


Definitions for clarification

Guaranteeing group means the borrower and each person (if any) that has provided a guarantee to ANZ in relation to the borrower’s obligations.

New Zealand-based business means a business in respect of which, if carried on by:

  1. an individual or a company, the individual or the company is resident in New Zealand for the purposes of the Income Tax Act 2007, or
  2. a company or partnership (including a limited partnership) or trustees of a trust (in each case whether or not formed or incorporated in New Zealand), the relevant entity or body of persons (i) is or are resident in New Zealand for the purposes of the Income Tax Act 2007; or (ii) carry or carries on business in New Zealand through a fixed or permanent place of business in New Zealand and will file a New Zealand income tax return in respect of that business.

Excluded activities under the scheme are:

  • Manufacturing or testing cluster munitions, anti-personnel mines, or nuclear explosive devices 
  • Manufacturing tobacco
  • Processing whale meat
  • Manufacturing or distribution of recreational cannabis
  • Manufacturing civilian automatic and semi-automatic firearms, magazines, or parts
  • any activity which is illegal in New Zealand

An excluded purpose under the scheme is accessing a loan for the purpose of:

  • funding dividends to be distributed outside the applicant’s guaranteeing group
  • funding on-lending outside the applicant’s guaranteeing group
  • funding any purpose related to an excluded activity
  • funding residential or commercial property development or investment.
  • refinancing existing facilities over specific limits (contact us for more information)

Applying for a loan under the scheme

If you believe your business meets the criteria outlined above, it may be eligible for a loan under the Government’s Business Finance Guarantee Scheme. 

Contact your Banking Manager or Relationship Manager to discuss your eligibility, or call our Contact Centre:

Credit card updates

To help relieve financial pressure, we’ve reduced all business credit card interest ratesdisclaimer:

For all business credit card types, the interest rate on purchases and cash advances was reduced from 20.95% p.a. to 19.95% p.a. from 1 April 2020. However, if you’re paying interest on these cards, you may want to consider whether the ANZ Visa Business Low Rate card may be right for you as it has a lower interest rate on purchases.

We’ve also made changes to our personal credit cards. Find out more.

Planning and adapting

This article outlines the key things that might be helpful to consider as part of your plan to adapt to the new normal, along with an overview of some of the support available.


Branch locations and hours

See our Branch updates webpage for the latest information on what branches are open and their opening hours.

For our customer and staff safety, please don't visit a branch if you are feeling unwell or should be in self-isolation due to COVID-19.

Helping you stay on top of your banking

Where possible, please use ANZ Internet Banking, ANZ goMoney app, ANZ Direct Online, Phone Banking or ATMs to do any business banking. Using those services means our contact centre can focus on helping vulnerable customers and those immediately impacted by COVID-19.

Manage your day-to-day business banking the easy way. Pay creditors and employees, manage your cash flows, request transfers and more.

Accept EFTPOS, Visa and Mastercard credit and debit card payments through your smartphonedisclaimer, including contactless payments. So you can get paid anywhere, anytime.

More ways to bank

You may want to consider different options for cash and cheque processing.

  • If your business is regularly depositing cash via our branch network, Fast Deposit Bags are an option for ANZ Business Banking account holders. Business customers can place cash and cheques in a secure, tamper evident bag, and drop it into one of our secure drop boxes.
    See our current list of available Fast Deposit Boxes.
    For more information on Fast Deposit Bags, contact your Business Banking manager or call 0800 269 249Terms and conditions apply (PDF 57kB) 
  • Deposits of cash and cheques into individual or sole trader accounts can also be made into Smart ATMs.

 Find an ATM


Other useful tips

  • Take a look at your insurance for your business, to ensure that it’s fit-for-purpose and well-considered.
  • Think about whether your business limits are sufficient, so you don’t need to make changes if someone in your team cannot carry out their work.
  • Check whether business account signatories are up-to-date.
  • Review change levels and internal cash handling procedures for your business. 
  • Review payment options for your customers and think about whether you can include electronic payment details on your invoices.
  • Consider whether any of the digital tools available to ANZ customers could help you with managing cash flow, payroll, accounting, and expenses during this challenging time.disclaimer
  • Be aware of scams.


Contacting us

Self-service options

The ANZ goMoney app, Internet Banking, 24/7 Automated Phone Banking, and ATMs are all available to help you do your regular banking. Using these services means our Contact Centre can focus on helping those immediately impacted by COVID-19.

Call us

You can still call us if you cannot bank another way, or if you require urgent financial support.

0800 269 296

6am to midnight

7 days a week

Other helpful information


0800 358 5453

If you have symptoms of coronavirus, call the NZ Covid-19 Healthline

Ministry of Health website

Information, official guidelines and updates

Unite against COVID-19 website

Latest updates from the NZ government

ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.  

A copy of the Bank's General Disclosure Statement  under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any ANZ branch, free of charge.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. An ANZ Authorised Financial Adviser will, on request and free of charge, provide you with his or her disclosure statement prepared under the Financial Advisers Act 2008. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.

Eligibility and lending criteria and terms apply.

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The loan restructuring fee waiver offer does not include the waiver of any Non Utilisation Recovery or Early Repayment Recovery fees applicable.

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Available to customers with less than $2 million in total deposits. Hardship criteria apply. Normally, if we agree to let you make an early withdrawal, we’ll reduce your rate by 3% per annum on the amount you withdrawal (your return will not go below 0%), however in this instance, if the early break is approved under the hardship criteria, we will waive this interest rate reduction.

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Lending criteria, terms and conditions, and fees apply. The information, offers, and interest rates above are current as at 1 October 2020 but may change without notice.

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ANZ FastPay is only available to approved merchants who meet ANZ's credit approval criteria. ANZ FastPay transactions must be settled into an ANZ Business Account. Eligibility criteria and fees apply. FastPay terms and conditions apply. Use of ANZ FastPay requires a compatible device and a cellular or wireless internet connection.

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Fees and terms may apply.

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