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ANZ Agri overdraft
Get flexible credit for your daily cash flow needs with an overdraft that is linked to your Agri Current account.
Benefits
Simple and easy
Because your overdraft is applied to your transaction account, you can see your balances and transactions in one place. Access your funds anytime, the way that suits you - online, over the phone, via EFTPOS, at ATMs or in person at your local branch.
Cost-effective borrowing
Only pay interest on the amount you use, and receive interest on a positive balance. Interest is calculated daily, with no minimum or fixed repayments. Fees and interest rates are subject to change.
Flexibility
Tailor your overdraft to suit you and seasonal fluctuations in your cash flow needs. Access the funds, up to your limit, at any time. Short-term extensions may be available, subject to lending criteria.
Rates and fees
Unless otherwise advised to you, the following rates and fees apply to the ANZ Agri overdraft:
Overdraft interest rate |
You will pay the Agri Current account overdraft base rate, currently 6.55% 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% (minimum $5 a month). |
Overdraft application fee |
Minimum amount of either $100.00 or 0.50% of the approved credit limit or increase, whichever is greater. |
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 Current account base rate, currently 6.55% p.a., plus 8% 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
From overseas: +64 9 523 7220
Visit us
Find your local branch and make an appointment to talk to a business specialist.
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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).
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