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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.

Benefits

No account fees for two years

For two years you’ll pay no monthly account fees on ANZ Business Current accounts or an ANZ Business Flexible Facility and no annual fee on an ANZ Visa Business card as part of the ANZ Business Start-up package—.

Business banking specialist check-in

A check in with a business banking specialist to check you and your business are on the right track – and a chance to ask those burning questions.

In-depth insights

You’ll get a report powered by DOT Loves Data, with detailed information about the market and customers for the area you are looking to do business in to help with your business planning.

Motivation and inspiration

We’ll send you tips, guides, motivations and inspiration to support you as you get your business up and running in the crucial first two years.

Eligibility

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. 
About the ANZ Business Start-up Package

How to apply

Apply online

Join the HOWTWO Small Business Support Programme by applying for the ANZ Business Start-up package.

Apply now

Call us

General business enquiries

Monday to Friday, 8am - 8pm
Saturday and Sunday, 8am - 6pm

Business specialists available

Monday to Friday, 8am - 6pm
Saturday, 9am - 5pm
Sunday, closed

0800 269 249

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.

Third party digital tools

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.

Guide to starting a business

Biz Hub

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

Biz Hub

Insights for your business

Understanding your customers

If your business uses our merchant payment services, we can analyse your digital transactions to provide insight reports into customer behaviours, expectations and preferences.

Using transactional data to understand your customers

Business and sector insights

Understand trends and insights that can inform your business decisions and outcomes. Delve into analysis from our business and economics experts, including research, industry reports, and articles from our chief economist.

Business and sector insights

Economics and markets research

ANZ’s economics team provides a range of New Zealand financial forecasts and economic news, including consumer confidence, our Business Outlook survey, and Truckometer data.

Economics and markets research

Related products and services

Business insurance

We partner with insurance specialists who can give you advice and help you to make an informed decision to protect your business' continuity or cash flow. 

Business insurance

Business lending

Whether you need short or long-term finance, our flexible range of business loans and other funding options can help you start, grow or buy a business.

Business loans

How to accept payments

Accept credit card, debit card, mobile device and online payments from your customers using our payment gateways for merchants and businesses.

Accept payments

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.co.nz/fapdisclosure. 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.