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ANZ Business Overdraft

An ANZ Business Overdraft provides your business with flexible credit for your daily cash flow needs. Your overdraft is linked to your business transaction account.

Product information

Product information

Access your account via:

ANZ Direct Online
ANZ Internet Banking
ANZ Phone Banking
ANZ branches and ATMs

  • Revolving credit to draw against as required.
  • Credit limit to suit your working capital requirements.
  • Interest charged only on the credit you use.
  • No fixed or minimum repayments.

Various types of security may be considered, such as the fixed assets of the business, subject to ANZ lending criteria.

Credit limit

Apply for the limit that suits your working capital requirements.

Credit extensions

Short-term extensions are available, subject to ANZ lending criteria

Debit interest

Interest is calculated daily on the outstanding amount only. Various interest rates apply.


Overdraft transactions are included in your transaction account statement.

Overdraft application fee

A minimum amount of either $75 or 1% of the approved credit limit or increase, whichever is greater. ANZ will advise the customer if the application fee is higher than this minimum amount.

Monthly overdraft management fee

0.12% of your agreed overdraft limit (minimum $5 a month).

Service charges

Service charges apply when a specific service is used.

Business account service charges

For more information or to apply


Enquire online

Fill in our enquiry form and we'll contact you



0800 269 249

+64 9 523 7220

Business Specialists available
Mon-Fri 8am - 6pm (NZT)



Find a branch

Find your local branch and talk to a Business Specialist


Related products

ANZ Business Current Account

The everyday business account.

ANZ Business Start-up Package

You can apply for the ANZ Business Start-up Package if you've owned your business for less than two years. Pay no transaction or monthly account fees on your ANZ Business Current Account for the first 12 monthsdisclaimer, amongst other banking benefits.

ANZ Business Loan

The ANZ Business Loan is available as a variable or fixed interest rate loan.

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

Eligibility, lending criteria, terms, conditions and fees apply. Details are subject to change.

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