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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.


Cost-effective borrowing

Only pay interest on the amount you use, calculated daily, with no minimum or fixed repayments.


With no fixed or regular repayments, you can draw down, repay and redraw funds at any time, within your credit limit.

Rates and fees

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


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 3.74% 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 15% p.a. We can charge you excess interest on any amounts over your credit limit, until you repay them.

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

How to apply

Call us

General business enquiries

7 days a week, 6am - midnight

Business specialists available

Weekdays, 8am - 7pm

Weekends, 9am - 5pm

0800 269 249

From overseas: +64 9 523 7220


Visit us

Find your local branch and make an appointment to talk to a business specialist.

Find a branch


Related products and services

ANZ Agri Current account

An everyday account specifically designed for agricultural business, with easy access to manage transactions online, over the phone or through a bank branch.

ANZ Agri Current account 

ANZ Farm Start-up package

We designed the ANZ Farm Start-up package to include everyday banking tools to make business banking easier for new farmers. Sign up pay no transaction or monthly account fees on an Agri Current account or Freedom account for 12 months.

ANZ Farm Start-up package 

Exclusive offers on third party digital tools

Try out innovative digital tools that make running a business easier with these exclusive offers on accounting, payroll or expense reporting software.

Third party offers 

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 151 KB).

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.