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The reassurance of having extra funds if you ever need them, giving you flexibility and peace of mind.
You can borrow up to your agreed overdraft limit whenever you need it, and repay some or all of it at any time.
Your overdraft is linked to your ANZ everyday account, so you can access it quickly and easily.
You only pay interest when you use it, on the amount you've overdrawn.
Overdraft interest rate
You will pay the Consumer Overdraft Base Rate, currently , plus 6% on the amount of the agreed overdraft limit you use.
Total rate: 18.90% p.a.
Monthly overdraft management feedisclaimer
Overdraft application fee
Unarranged overdraft feedisclaimer
$5 You will be charged this fee each month you exceed your agreed overdraft limit, or your account becomes overdrawn, by more than $10, for more than one day.
Excess interest rate
The excess interest rate is our Consumer Overdraft Base Rate plus 15% p.a. We can charge you excess interest on any amounts over your credit limit, until you repay them.
We recommend you minimise interest costs by repaying as much of the extra funds used as soon as possible.
To be eligible for an overdraft on your ANZ everyday account, you generally need to:
With our Jumpstart account you can apply for an interest-free overdraft of up to $2,000 after you've turned 18 to help you stay on top of your money.disclaimer
Weekdays, 6am - 12 midnight (NZDT) 7 days a week.
International +64 4 470 3142 (toll charges apply).
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Eligibility, lending criteria, terms, conditions and fees apply. Details are subject to change.
Fees and interest rates are subject to change. Non-standard fees may apply. Please use the following links for full details of our Terms and Conditions, Fees and Charges (PDF 166kB), Rates, fees and agreements, ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 103kB), and ANZ Electronic Banking Conditions (PDF 129kB).
Monthly overdraft management fee applies in addition to the applicable interest rate. This fee may be waived if the overdraft is linked to an eligible account or if you are eligible for one of our banking packages.
All overdrafts are subject to application and ANZ eligibility criteria, lending criteria and terms and conditions. Overdraft fees may apply.
Interest-free overdraft is available on one Jumpstart account only, and will only be available while you are eligible for a Jumpstart account. After this, standard interest rates and fees apply.