ANZ

Universal bank · Melbourne, Australia

ANZ is one of Australia's big four banks, headquartered in Melbourne, with 42,698 employees and A$1.29 trillion in assets at its 2025 year end. It owns ANZ Bank New Zealand and completed the purchase of Suncorp Bank in 2024. Its institutional bank operates in close to 30 markets, including more than 10 in Asia plus London and New York, and has been ranked first in Australian trade finance for 11 consecutive years. Small businesses get the Business Essentials account with no monthly fee and $2.50 staff-assisted transactions. In December 2025 the Federal Court ordered ANZ to pay A$250 million in penalties to ASIC, and APRA raised its capital add-on to A$1 billion over risk culture.

Legal name: Australia and New Zealand Banking Group Limited
Regulated by: APRA (Australia), ASIC (Australia), AUSTRAC (Australia), RBNZ (New Zealand, ANZ Bank New Zealand)
Licence confirmed: yes, on a regulator's own list
Established: 1951
Website: www.anz.com.au

Scores, 0 to 10

8.5Asia-Pacific (SG, HK, AU, JP, KR)

Licences in Australia and New Zealand plus more than 10 Asian markets, and No. 1 Australian trade finance bank for 11 years. · source

8.0Financial strength & stability

Aa2/AA-/AA- ratings with stable outlooks, but a A$250m ASIC penalty in December 2025 and a A$1bn APRA capital add-on. · source

7.5Trade, manufacturing & import-export

Documentary credits, collections, guarantees and supply chain finance, ranked No. 1 in Australian trade finance for 11 consecutive years. · source

7.0Lowest fees

Business Essentials has a $0 monthly fee, unlimited electronic transactions and $2.50 staff-assisted transactions. · source

7.0Fast digital onboarding

Online application takes about 10 minutes for owners or directors of Australian-registered businesses with two forms of ID. · source

6.5Business cards (Visa, Mastercard)

Four business credit cards (Qantas Business Rewards AUD 300 plus AUD 75 per card, Business Black, 55 Interest Free Days AUD 150, Low Rate AUD 100) and a Business Visa Debit card, with a 3% overseas transaction fee on transaction accounts. · source

6.0Cross-border payments, FX and multi-currency accounts

International money transfers are offered through several platforms but fees and FX margins are not published on the business international page. No. 1 in Coalition Greenwich Transaction Banking Relationship Strength Index for Australia (2025) and New Zealand (2020 to 2025), with a close to 30 market network. · source

6.0Off-ramp: crypto to fiat in a business account

ANZ states customers can still receive payments from crypto exchanges even after hitting the monthly outbound limit, which shows exchange proceeds are accepted, though no business source-of-funds process is published. · source

5.0Online businesses: e-commerce and SaaS

Business Essentials comes with a Business Visa Debit card and online banking, but no multi-currency collection accounts for marketplaces are listed. Standard SME transaction banking; the international business page offers money transfers and trade services but no API, Stripe integration or foreign currency account list. · source

5.0On-ramp: buy crypto with fiat

ANZ Plus blocks exchange payments by default and caps them at AUD 10,000 a month once Crypto Protect is switched off; standard ANZ accounts, including business internet banking, have no crypto-specific cap but flagged exchange transfers can be held for fraud checks. · source

4.0United Kingdom

London office serves institutional and corporate clients as part of ANZ's close to 30 market network; no UK SME accounts. · source

4.0United States

New York presence serves institutional clients only, within ANZ's close to 30 markets. · source

4.0Best interest on business balances

Business Online Saver tiers from 0.45 percent above $5,000 to 1.25 percent above $500,000 (Finder, April 2025). · source

4.0Startups & VC-backed companies

Startups are treated as ordinary SMEs; online opening requires an Australian-registered business with an ABN or ACN. · source

4.0Foreign-owned & non-resident companies

Business Essentials can be opened online only if the business is Australian and the owner or director verifies with two forms of ID plus an ABN or ACN. · source

4.0Stablecoins (USDC, USDT and others)

ANZ minted 30 million of its AUD stablecoin A$DC in March 2022 so Victor Smorgon Group could fund the Zerocap exchange, used A$DC again in the RBA's Project Acacia pilot in 2025, and told the AFR in July 2026 it will issue a tokenised deposit for large companies later in 2026; no stablecoin account or payout is open to business clients today. · source

3.5Fintech companies that need a partner bank

No safeguarding or sponsor-banking programme for payment firms is published; institutional focus is corporates across close to 30 markets. · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

No prohibited-industries list for business accounts is published on the business account pages; scored conservatively. · source

3.0Crypto-friendly bank

ANZ has no published policy for onboarding crypto exchanges; its digital-asset work is the institutional A$DC stablecoin, not exchange banking. · source

1.0Customer satisfaction

Trustpilot 1.5 out of 5 from 775 reviews with 89 percent one-star ratings. · source

1.0Crypto wallet and custody for a business

ANZ offers no crypto custody or wallet to business clients; its digital asset work is its own A$DC token and tokenised deposits, checked September 2026. · source

1.0Accept crypto payments

No crypto or stablecoin acceptance appears in ANZ's merchant or business payment products, checked September 2026. · source

1.0Bitcoin

No bitcoin buying, holding or transfer at ANZ for business clients, checked September 2026. · source

1.0Ethereum

ANZ minted 30 million A$DC with an EVM smart contract on a public blockchain in March 2022 for one client deal, but it offers no ether buying, holding or transfer to business clients, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.