ANZ Agri Flexible Facility

The nature of agriculture can cause funding gaps between long-term borrowing and day-to-day cash flow. This working capital solution is more flexible than a term loan and more cost-effective than an overdraft.


Rates and fees

Unless otherwise advised to you, the following rates and fees apply to the ANZ Agri Flexible Facility:

Fee details

Monthly account fee


Transaction fee

5 free transactions a month. $5.00 for each additional automated or manual transaction.

Overdraft interest rate

You will pay the Agri Flexible Facility base rate, currently % p.a., plus a margin on the amount of the agreed overdraft limit you use.

Monthly overdraft management fee

Unless agreed otherwise in your facility agreement, 0.0625%. 

Calculated and charged monthly as a percentage of the highest agreed credit limit available during that month.

Overdraft application fee

Minimum amount of either $250.00 or 0.50% of the approved credit limit or increase, whichever is greater.

Unarranged overdraft fee


Excess interest rate

If you don't have an arranged overdraft limit or you exceed your approved overdraft limit we can charge you an excess interest rate. Unless stated otherwise in your facility agreement, the excess interest rate is our Agri Flexible Facility base rate plus 7% p.a. We can charge you excess interest on any amounts over your credit limit, until you repay them.

See the full list of Agricultural rates, fees and agreements. Rates and fees are subject to change.

How to apply

From overseas: +64 9 523 7220

Related products and services

Important information

Eligibility, lending criteria, terms and conditions and fees apply. Details are subject to change.

Fees and interest rates are subject to change. Service charges may apply. For full details refer to the ANZ Fees and Charges brochure (PDF 151KB).

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.