ANZ Business overdraft

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


Rates and fees

Overdraft interest rate

You will pay the Business Overdraft Base Rate, currently % 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 7% 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.

Apply online using ANZ goBiz

If you use MYOB or Xero, you can apply for up to $500,000 secured or $250,000 unsecured lending for your business. This total includes any existing lending you may already have with ANZ.

How to apply

From overseas: +64 9 523 7220

Related products

Cash flow management

To improve and manage your business finances, delve into your costs vs income over time. Our guides can help, including free templates to forecast cash flow and work out your break-even point.

Important information

ANZ lending criteria and fees apply to ANZ Business Overdraft ANZ Business Home Loans and ANZ Business Flexible Facility.

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.