Overdrawn account alerts

Knowing that your account is overdrawn with our ANZ ATM or SMS alerts can help you manage your money and avoid overdrawn fees and interest. Find out more about overdrawing your account and our Informal Overdraft facility (PDF 120kB).

At ANZ ATMs

We'll let you know if a transaction at one of our ATMs would overdraw your ANZ deposit account. You can then decide if you'd like to go ahead with the transaction or not (please note if you have an ANZ Assured overdraft facility, we'll only let you know if your transaction exceeds the ANZ Assured overdraft facility limit).

SMS from ANZ

  • We'll also send you an SMS when you overdraw your personal everyday account by more than $50. We just need you to have given us your latest mobile number at one of our branches, through our internet or phone banking or when you applied for an account online.
  • Each time your account becomes overdrawn, we will send you an SMS alert the following business day*.
  • To ensure you receive our SMS alert, check that ANZ has your latest mobile number by calling 13 13 14.

    If you don't want to be alerted, just call the same number and let us know (or follow the prompts in the SMS alert).

ANZ Alerts - just another way we're committed to improving our customer service to you.


Terms and Conditions are available on request. Please call 13 13 14, if you would like us to send you a paper copy.
Fees and Charges apply to the Informal Overdraft Facility. For more information please refer to the ANZ Personal Banking Account Fees and Charges booklet.
ANZ does not charge for the overdrawn account alert service. Charges may be incurred by your mobile phone operator.
Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.
*Temporary service interruptions may occur and is subject to mobile phone network availability. Overdrawn account alerts are sent on an ANZ business day which is defined as Monday to Friday excluding National public holidays. Overdrawn account alerts apply for personal accounts only (not available on business accounts).

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