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Extra cash for the unexpected

ANZ Assured covers you for the times when you need just that little bit extra. With a credit limit of either $500 or $1000 that can be a feature of your selected ANZ everyday accounts, it may help you avoid issues like declined transactions or bounced cheques.


Loan features

ANZ Assured features

A low monthly fee

You can access an extra $500 or $1,000 whenever you need to for a small fee of $60 a year, charged monthly.disclaimer

Manage your costs

An overdraft facility can help you avoid overdrawn feesdisclaimer as well as any associated fees.

Only pay interest on what you use

You’ll have easy access to the money, but you won’t pay any interest if you don’t use it.disclaimer

It’s easy to access

ANZ Assured can be added to these ANZ everyday accounts: ANZ Access Advantage, ANZ One and ANZ Access Select.

Rates and fees

The important numbers

variable interest rate and approval fee
The variable interest rate disclaimer
Loan Approval Fee  $0
variable interest rate and approval fee
Credit facility fee $60 a year, charged monthlydisclaimer
Credit limit $500 or $1,000


To be eligible, you need to:

  • Be at least 18 years old  
  • Earn a minimum of $15,000 per annum   
  • Be an Australian citizen, permanent resident or have a valid visa  

What is a valid visa? 

Details to have handy

  • Income, employment and financial commitment details
  • Driver's licence (if you have one)
  • Your ANZ account number or Customer Registration Number (if you have one)


How to apply

Apply now

Apply online in around 15 minutes.

Please make sure you have the details handy – we’ve listed them above


Other ways to apply: Visit any ANZ Branch or call 1800 008 177

Mon to Fri, 8am to 8pm (AEST)

Prefer a higher limit?

Apply for an overdraft facility of $1,000 or more

ANZ Personal Overdraft

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

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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