A temporary overdraft may help you cover short term financial needs or unexpected expenses. An ANZ Temporary Overdraft is a line of credit for up to 30 days that is attached to your eligible ANZ transaction account.

ANZ Temporary Overdraft features

Limit available
Unlimited line of credit
Interest rate1

Variable rate loading product data(View current rates)

Time period
Up to 30 days
Fast approval process
Usually approved next business day after receipt of application.
Loan Approval Fee
Limit Fee
Under $20,000 $50
$20,000 - $49,999 $100
$50,000+ $150
Attached to account

An ANZ Temporary Overdraft must be attached to one of the following ANZ transaction accounts:

Additional features
  • Application for an ANZ Temporary Overdraft may be made directly with the branch or over the phone.
  • 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.
  • Debits will be honoured up to your approved limit, across all banking channels – ATMs, EFTPOS, ANZ Phone Banking, ANZ Internet Banking, ANZ branches and cheques. If there are no funds available under this credit facility, ANZ may process the debit using the Informal Overdraft facility for your linked account (refer to the terms and conditions of your linked account for more details about the Informal Overdraft facility).

Apply today

Telephone icon
Call 1800 801 485 between 8am and 8pm (AEST)

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 apply.

1. The interest rate applicable as at loading product data(View current rates) is loading product data(View current rates) but is variable and may change.