An ANZ Personal Overdraft is a line of credit attached to your transaction account to cover short-term financial needs.
Looking for a smaller limit? At $5 per month ANZ Assured is a cost effective way to protect yourself from unexpected cash shortfalls. Find out more about ANZ Assured.
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$1,000 minimum |
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Variable Rate
13.17% p.a. Other Interest Rates |
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| Usually approved next business day after receipt of application. |
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| Limit: |
| $1,000 - $19,999 | $50 - $100 |
| $20,000+ | 1.7% - 2.6% of the limit p.a. |
The fee applicable to your limit will be advised on application.
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| Limit: |
| $1,000 - $19,999 | $100 |
| $20,000 - $49,999 | $200 |
| $50,000+ | $500 |
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An ANZ Personal Overdraft must be attached to one of the following transaction accounts:
 ANZ Access Advantage
ANZ Access Select
ANZ One
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- No fixed repayment arrangement giving you flexibility and greater control over your day-to-day finances.
- Interest is only charged on the amount of credit used.
- You can apply for a temporary, permanent or seasonal limit depending on your needs.
- No minimum monthly repayments
- A cost-effective option of avoiding fees associated with overdrawing accounts.
- Transactions will be honoured up to your approved limit, across all banking channels – ATMs, EFTPOS, ANZ Phone Banking, ANZ Internet Banking, ANZ branches and cheques.
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| *Some exemptions apply |
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To apply for an ANZ Personal Overdraft, print and complete the ANZ Overdraft Application Form (PDF, 64kb) and either:
Return it to any ANZ branch.
| Mail to: | Consumer Assessments |
| C/o ANZ Bank |
| Locked Bag 2600 |
| Collins Street West Post Office |
| MELBOURNE VIC 8007 |
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| Fax to: | 1800 004 607 |
ANZ’s normal credit criteria apply to each application. Applicants need to be at least 18 years of age and demonstrate capacity to afford to repay.
Terms and conditions are available on application. Fees and charges are payable.
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