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) (plus a margin)

The interest rate for a personal overdraft is made up of the Consumer Overdraft Base Rate plus a margin. We list current margins below.

Margin on Consumer Overdraft Base Rate

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

If you go over your credit limit, we can charge you interest on those amounts at the excess interest rate, which is the Consumer Overdraft Base Rate plus a margin of 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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