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Rural rates and fees


The following information is current from and is subject to change

Debit interest rates Interest rate
Business Term Loan base rate - floating
Agri Current account base rate
Agri Personal Current account - Consumer Overdraft Base Rate + margin (plus a margin)


Rates are subject to change. A lending margin will apply in addition to the above base rates.  The margin will be included in the floating interest rate disclosed in your Business Term Loan facility agreement.  The Agri Current Account and Agri Personal Current Account margins will be added to the base rate, and separately disclosed in the facility agreement.  

If you go over your credit limit we can charge you an excess interest rate. For the Agri Personal Current Account you will pay your Consumer Overdraft Base Rate plus 15% p.a. For the Agri Current Account the excess interest rate will be set out in your facility agreement, otherwise you will pay the Agri Current account base rate plus 8% p.a.

Credit interest rates applicable to the Agri Current account and Agri Personal Current account.


Amount Interest rate
$0 - $19,999.99
$20,000.00 - $199,999.99
$200,000.00 +


The main fees and service charges are detailed below. For details on all fees and charges, please refer to the General Terms and Conditions section.

ANZ Agri Personal Current Account

  • Monthly account fee - $5  
  • Transaction fee - No charge for automated or manual transactions.  
  • Overdraft management fee - $0
  • Overdraft application fee - $25
    This applies to new overdraft applications and applications to increase existing limits.

ANZ Agri Current Account

  • Monthly account fee - $8.50  
  • Transaction fee - 200 free transactions a month. $0.20 for each additional automated or manual transaction.
  • Overdraft Management fee - Monthly Overdraft Management fee of 0.0625% (minimum $5 a month). Calculated and charged monthly as a percentage of the highest agreed overdraft credit limit available during that month.
  • Cheque clearance fee - $0.25 for each cheque deposited
  • Cash handling fee for deposits less than $3,000 per business processing day - Waived
  • Cash handling fee for deposits of $3,000 and over per business processing day - 0.25% of total cash deposited

Key to account transaction charges

  • Automated transactions
    Automated transactions include EFTPOS, Visa Debit, ATM, and mobile wallet transactions, as well as electronic payments and other transactions made using ANZ Internet Banking, goMoney, Phone Banking and ANZ Direct Online.
  • Manual transactions
    Manual transactions include cheques and transactions handled by our staff for you, including at a branch, by phone, or online. Balances and basic account enquiries at a branch are free. We process any deposits received through ANZ Fast Deposit Boxes as staff-assisted, manual transactions.

Other Agri Personal Current Account and Agri Current Account fees

  • Unarranged overdraft fee - $5
    Applies if we choose to let you make payments or withdrawals or we pay any cheques or take any fees or charges, when you don’t have enough money in your account. We’re lending you money you don’t have and you must repay that money as soon as possible or when we ask. We charge the fee each month if you exceed your approved overdraft limit, or your account becomes overdrawn, by more than $10, for more than one day. This is charged in addition to excess interest. If you don’t have an arranged overdraft limit the following excess rates apply:

    Agri Personal Current Account - a rate equal to our Consumer Overdraft Base Rate plus a margin of 15.00% p.a.
    Agri Current Account - a rate equal to our Agri Current Account base rate plus a margin of 8.00% p.a.

    If you have an arranged overdraft limit on an Agri Personal Current Account or Agri Current Account, the excess interest rate will be disclosed in your overdraft agreement.

  • Insufficient funds - Dishonour fee - $2.50
    Applies if we can’t pay a cheque you’ve written or we’re unable to take a direct debit or take a payment (other than a future-dated electronic payment) for any reason.
  • Insufficient funds - Failed Payment fee - $2.50
    Applies if we can’t make a future-dated electronic payment you’ve set up and confirmed for any reason, including because you didn’t have enough money in your account.


  • ANZ Business Flexible Loan Terms and Conditions (PDF 113kB)
    Effective 1 June 2019
    The ANZ Business Flexible Terms and Conditions only apply to certain facilities. Please refer to your Facility Summary or Facility Agreement to confirm which terms and conditions apply to your ANZ Business Flexible Facility.

Interest rates are subject to change.

A copy of the Bank's General Disclosure Statement  under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any ANZ branch, free of charge.