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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:

  • 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% (minimum $5 a month). Calculated and charged monthly as a percentage of the highest agreed overdraft credit limit available during that 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



Business - 0800 269 249

Intl: +64 9 523 7220

General Business enquiries
6am -12 midnight (NZT), 7 days a week

Business Specialists available
Weekdays, 8am - 7pm (NZT)
Weekends, 9am - 5pm (NZT)

Commercial - 0800 212 269

Intl: +64 4 470 7768

Weekdays, 7am - 7pm (NZT)
Weekends, 9am - 5pm (NZT)



Find a branch

Find your local branch and talk to a Business Specialist


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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.

Package eligibility and terms and conditions apply. Package details are subject to change. Lending criteria, terms and conditions and fees apply to all lending facilities. Service fees may apply. See for full details.

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