Rural rates and fees

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

Rates

Agri Term Loan, Agri Current account and Agri Personal Current account
Debit interest rates Interest rate
Agri Term Loan base rate - floating loading product data(View current rates)
Agri Current account base rate loading product data(View current rates)
Agri Personal Current account - consumer overdraft base rate loading product data(View current rates)

Rates are subject to change. A lending margin will apply in addition to the above base rates.  The margin will be included in the floating interest rate disclosed in your Agri Term Loan facility agreement.  The Agri Current Account and Agri Personal Current Account margins will be added to the base rate, and separately disclosed in the facility agreement.  

If you go over your credit limit we can charge you an excess interest rate. For the Agri Personal Current Account you will pay your Consumer Overdraft Base Rate plus 15% p.a. For the Agri Current Account the excess interest rate will be set out in your facility agreement, otherwise you will pay the Agri Current account base rate plus 8% p.a.

Credit interest rates
Amount Interest rate
$0 - $4,999 loading product data(View current rates)
$5,000 - $19,999 loading product data(View current rates)
$20,000 - $199,999 loading product data(View current rates)
$200,000 + loading product data(View current rates)

Lending criteria, terms, conditions and fees apply.


Fees

The main fees and service charges are detailed below. For details on all fees and charges, please refer to the General Terms and Conditions section.

Agri Personal Current Account fee
Fee type Agri Personal Current Account fee
Monthly account fee $5
Agri Current Account fee
Fee type Agri Current Account fee
Monthly account fee $12.50
Fee for each automated transaction No fee
Fee for each manual transaction No fee

Key to account transaction charges

Automated transactions

Automated transactions include EFTPOS transactions, ATM transactions, direct debits and direct credits, and all electronic transactions made through Phone Banking, ANZ goMoney and Internet Banking.

Manual transactions

Manual transactions include cheques and transactions handled by our staff at a branch or over the phone (please note that balances and basic account enquires at a branch are free). Deposits made through an ANZ Fast Deposit Box are charged as staff-assisted transactions.

Other service charges

Agri Current Account fee
Fee type Agri Current Account fee
Cheque clearance fee No fee
Cash handling fee for deposits less than $3,000 per business processing day Waived
Cash handling fee for deposits of $3,000 and over per business processing day 0.25% of total cash deposited
Other Agri Personal Current Account and Agri Current Account fees
Item Charge

Unarranged overdraft fee

Applies if we choose to let you make payments or withdrawals or we pay any cheques or take any fees or charges, when you don’t have enough money in your account. We’re lending you money you don’t have and you must repay that money as soon as possible or when we ask. We charge the fee each month if you exceed your approved overdraft limit, or your account becomes overdrawn, by more than $10, for more than one day. This is charged in addition to excess interest. If you don’t have an arranged overdraft limit or you exceed your approved overdraft limit, you will be charged excess interest on the amount you have exceeded your overdraft limit by. The Excess Interest Rate is our Consumer Overdraft Base Rate plus a margin of 15.00% p.a.

$5

Insufficient funds - Dishonour fee

Applies if we can’t pay a cheque you’ve written or we’re unable to take a direct debit or take a payment (other than a future-dated electronic payment) for any reason.

$2.50

Insufficient funds - Failed Payment fee

Applies if we can’t make a future-dated electronic payment you’ve set up and confirmed for any reason, including because you didn’t have enough money in your account.

$2.50


Agri overdrafts


Merchant services


ANZ FastPay


Business Loans


Agreements

 

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