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ANZ Assured overdraft

When you need that little bit extra

Apply now Interest rates & fees


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.


Overdraft features

ANZ Assured features

No ongoing fees

You can access an extra $500 or $1,000 whenever you need.

Manage your costs

An overdraft facility can help you avoid overdrawn and dishonour fees.disclaimer

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
No ongoing fees  
The variable interest rate disclaimer
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. Australian credit licence number 234527.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the ANZ Assured and Personal Overdraft Terms and Conditions (PDF 398kB), ANZ Personal Banking Account Fees and Charges (PDF 190kB) and the Financial Services Guide (PDF 104kB) which are available at or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

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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