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ANZ Overdraft - Accounts

ANZ Overdraft

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

This simple and effective option is a great way to make sure you've always got a little something "in reserve" just in case you need it. 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

For overdraft limits up to $2,500 you pay:

  • a $20 approval fee
  • an annual $60 credit facility fee (which is about $5 a month).

For overdraft limits over $2,500 you pay:

  • a $40 approval fee
  • an annual $60 credit facility fee (which is about $5 a 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.

Eligibility

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:

Apply online icon
Apply online
Telephone icon
Call 0800 ANZ 2 YOU (0800 269 296) 24 hours a day, seven days a week
Enquire online icon
Enquire online
Visit branch icon
Visit your nearest ANZ branch

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.

For more information about our fees please refer to the Service Charges brochure (PDF 116kB) for a full list of charges that apply, for example honour fees/Automatic Payment establishment and amendment fees.

A copy of the Bank's General Disclosure Statement and the Bank's Disclosure Statement prepared under the Securities Markets Act 1988, is available on request from any ANZ branch, free of charge.

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