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Rural rates and fees

Rates

The following information is current from and is subject to change

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

 

Lending criteria, terms, conditions and fees apply. Interest 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, Agri Personal Current Account and Agri Flexible Facility margins will be separately disclosed in your facility agreement.  

Excess interest rates

If you don't have an arranged overdraft limit or you exceed your approved overdraft limit we can charge you an excess interest rate. Unless stated otherwise in your facility agreement, the excess rate detailed in the table below will apply.   An unarranged overdraft fee may also apply.

rates
  Excess rate
Agri Current Account

Base rate plus 8% p.a.

Agri Flexible Facility

Base rate plus 15% p.a.

Agri Personal Current Account - Consumer Overdraft Base Rate 

Base rate plus 15% p.a.

Interest rates are subject to change

rates
Credit interest rates


Agri Current account and Agri Personal Current account credit interest rates.

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

 

Interest rates are subject to change.  A copy of our Reserve Bank Disclosure Statement is available on this website or on request from any ANZ branch, free of charge. 

Fees and charges

The main fees and service charges are detailed below. For details on all fees and charges, please refer to the Fees and Charges brochure in the General Terms and Conditions section. Fees and charges are subject to change.

ANZ Agri Personal Current Account

  • Monthly account fee - $5.00  
  • Transaction fee - No charge for automated or manual transactions.  
  • Overdraft management fee - Nil
  • Overdraft application fee - $25.00
    This applies to new overdraft applications and applications to increase existing limits.
  • Unarranged overdraft fee - Nil
  • 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 Agri Current Account

  • Monthly account fee - $8.50  
  • Transaction fee - 200 free transactions a month. $0.20 for each additional automated or manual transaction.
  • Monthly Overdraft Management fee - Unless agreed otherwise in your facility agreement, 0.0625% (minimum $5 a month). Calculated and charged monthly as a percentage of the highest agreed credit limit available during that month.
  • Overdraft application fee - Minimum amount of either $100.00 or 0.50% of the approved credit limit or increase, whichever is greater.
  • Unarranged overdraft fee - Nil
  • 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.
  • Service charges – see the table below.
    Service charges apply when a specific service is used, and are in addition to account transaction charges. 
rates
Fee type Fee
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

ANZ Rural Flexible Facility

  • Monthly account fee - Nil 
  • Transaction fee - 5 free transactions a month. $5.00 for each additional automated or manual transaction. 
  • Monthly Overdraft Management fee - Unless agreed otherwise in your facility agreement, 0.0625%.  Calculated and charged monthly as a percentage of the highest agreed credit limit available during that month.
  • Overdraft application fee - Minimum amount of either $250.00 or 0.50% of the approved credit limit or increase, whichever is greater.
  • Unarranged overdraft fee - $5. 00
    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 $10.00, for more than one day. This is charged in addition to excess interest.
  • 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.

Note, other Non-Standard Fees may apply in addition to any fees stated above. For details on all fees and charges, please refer to ANZ’s Fees and Charges Brochure, or your Relationship Manager.

ANZ Lending criteria, fees and terms and conditions apply.

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, ANZ 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.

Agreements

  • 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.