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Overdrafts and overdrawing your account
The following information is current from and is subject to change.
Personal overdraft
Customer type | Interest rate |
---|---|
Consumer Overdraft Base Rate | (plus a margin) |
The interest rate for a personal overdraft is made up of the Consumer Overdraft Base Rate plus a margin. We list current margins below.
Margin on Consumer Overdraft Base Rate
Customer type | Interest rate |
---|---|
All borrowers | Consumer Overdraft Base Rate |
If you go over your credit limit, we can charge you interest on those amounts at the excess interest rate, which is the Consumer Overdraft Base Rate plus a margin of 15% p.a.
- ANZ Personal Overdraft Agreement (Sample) (PDF 68kB)
Effective 1 December 2020 - ANZ Jumpstart Overdraft Agreement (Sample) (PDF 68kB)
Effective 1 December 2020
A copy of our Reserve Bank Disclosure Statement is available on this website or on request from any ANZ branch, free of charge.