Overdrafts and overdrawing your account: 
rates, fees and agreements

Rates

The following information is current from loading product data(View current rates) and is subject to change.

Personal overdraft

Customer type Interest rate
Consumer Overdraft Base Rate loading product data(View current rates)

Margin on Consumer Overdraft Base Rate

Customer type Interest rate
Mortgage with ANZ loading product data(View current rates)
Other security with ANZ loading product data(View current rates)
All other borrowers loading product data(View current rates)

Margin is based on ANZ's lending and eligibility criteria and will be advised on application. Please contact any ANZ branch for further information.

If you go over your credit limit, we can charge you interest on those amounts at the excess rate, which is the Consumer Overdraft Base Rate + 15% p.a.


Fees

Personal overdrafts application fee
Overdraft management fee
Overdrawing your available balance or the approved overdraft limit

Lending criteria, terms, conditions and fees apply to ANZ Overdrafts.


Agreements

A copy of our Reserve Bank Disclosure Statement is available on this website or on request from any ANZ branch, free of charge.

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