skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

ANZ Agri overdraft

Get flexible credit for your daily cash flow needs with an overdraft that is linked to your Agri Current account.


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.


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

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 

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.