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Access to funds for the unexpected

ANZ Overdrafts

If you’ve ever had a transaction declined, or couldn’t cover an unexpected expense, you know how inconvenient this can be. With an overdraft facility on your ANZ everyday account you’ll have peace of mind, knowing that some extra funds will be there when you need them. 

 

 

 

ANZ Assured

A credit limit of either $500 or $1,000 could help to cover unexpected cash shortfalls.

Rates & fees

rates and fees
Interest rate disclaimer
Loan Approval Fee $0
Credit facility fee $60 a year, charged monthlydisclaimer

You get

  • Extra cash when you need it
  • The benefit of only paying interest on the credit you use
  • $0 Loan Approval Fee
  • A low monthly fee

Use this loan to

  • Cover unexpected cash shortfalls
  • Avoid overdrawn feesdisclaimer

Are you eligible?

ANZ Personal Overdraft

The Personal Overdraft on your eligible ANZ everyday account provides you with credit of $1,000 or more (up to an approved limit) to be used whenever you need it.

Learn more          How to apply      

Rates & fees

interest rate for ANZ Personal Overdraft
Interest rate disclaimer


Loan approval fee

Loan establishment fee
Under $20,000: $100
$20,000-$49,999: $200
$50,000 and over $500


Credit facility fee

Credit facility fee
Less than $20,000: $50 - $100
$20,000 or more: 1.7% - 2.6% of the limit p.a.

You get

  • Extra cash when you need it with no set repayments
  • The benefit of only paying interest on the credit you use

Use this loan to

  • Cover unexpected financial needs
  • Gain control of your finances

Are you eligible?

All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply. 

   

The interest rate applicable as at  is  but is variable and may change.

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This fee is payable monthly. It is calculated by dividing the annual credit facility fee of $60 by 366, then multiplying that figure by the number of days that facility is on effect for that month.

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Debits will be honoured up to your approved credit limit.  If there are no funds available under this credit facility, ANZ may process the debit using the Informal Overdraft facility for your linked account (refer to the terms and conditions of your linked account for more details about the Informal Overdraft facility).

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The interest rate applicable as at  is  but is variable and may change.

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