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ANZ Business overdraft

Get flexible credit for your daily cash flow needs with an overdraft that is linked to your business transaction 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.

Competitive rates

Only pay interest on the amount you use, calculated daily, with no minimum or fixed repayments. Interest and an Overdraft Management Fee apply.


Apply for the overdraft limit that suits you. Access the funds, up to your limit, at any time. Short-term extensions may be available, subject to lending criteria. Various types of security, like business assets, may be considered.

Rates and fees


Overdraft interest rate

You will pay the Business Overdraft Base Rate, currently 10.60% p.a., plus a margin on the amount of the agreed overdraft limit you use. Interest is calculated daily on the outstanding amount only. Various interest rates apply.

Monthly overdraft management fee

Unless agreed otherwise in your facility agreement, 0.12% (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 $75.00 or 1.00% 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 Business Overdraft Base Rate plus 15% p.a. We can charge you excess interest on any amounts over your credit limit, until you repay them.

Service charges apply when a specific service is used. See the full list of Business rates, fees and agreements.

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

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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.