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


  • 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% calculated as a percentage of the credit limit (minimum $5).

Service charges

Service charges apply when a specific service is used, for more information:

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For more information or to apply



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+64 9 523 7220

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



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important info icon  Important information

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

^Eligibility, lending criteria, terms, conditions and fees apply.