Have you ever wished you had a bit of extra cash in your account - to tide you over until payday? If this sounds like you, an ANZ Overdraft could be just what you need.

How it works

An ANZ Overdraft is a simple way to make sure you've always got access to extra funds if you need them. And unlike a loan, there are no minimum monthly repayments, so you always have control. It's the ideal partner to your ANZ everyday account.

Product information

Fees and charges
  • Overdraft Application fee - $25
  • Monthly Overdraft Management fee of 0.12% of the agreed overdraft limit or overdrawn balance, whichever is greater (minimum $5 per month).
Interest rates

An ANZ Overdraft is an effective way to access extra funds. Interest is only accumulated on the amount that is used.

Special rates

Special offers such as reductions on interest rates and fees may be applicable to tertiary students and recent graduates.


To be eligible for an overdraft on your everyday banking account, you must:

  • be 18 years or older with a regular income
  • have your main source of income directly credited to your account
  • be a New Zealand resident.

How to apply

For more information or to apply for an ANZ Overdraft:

Call Us
Call 0800 269 296

ANZ lending criteria apply to all overdraft applications. Full details of terms, conditions and fees, together with current interest rates may be obtained from any branch or agency of ANZ.

Fees are subject to change. For more information about our fees please refer to the Fees and Charges brochure (PDF 132kB).

A copy of our Reserve Bank Disclosure Statement is available on this website or on request from any ANZ branch, free of charge. This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.

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