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ANZ Personal Overdraft

Extra cash whenever you need it



Your personal line of credit

ANZ Personal Overdraft is a credit facility that can be a feature of selected ANZ everyday accounts. It gives you the convenience of extra cash, with the flexibility to pay for anything from unexpected bills to large purchases whenever you like.

Overdraft features

ANZ Personal Overdraft loan features

Links to your ANZ everyday account

ANZ Personal Overdraft could be added as a feature to these ANZ everyday accounts: ANZ Access Advantage, ANZ One and ANZ Access Select.

Only pay interest on what you use

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

No fixed repayments

With an ANZ Personal Overdraft, you can use and repay funds as it suits you - you’re in control.

It’s easy to access

Simply access funds in the same way as you normally bank, including ANZ goMoneydisclaimer, ANZ ATMs, EFTPOS and Internet Banking, or at any ANZ Branch.

Rates and fees

The important numbers

rates and fees

The variable interest rate


Approval fee

credit facility fee for ANZ Personal Overdraft
Credit limit: Under $20,000 $100
Credit limit: $20,000- $49,999 $200
Credit limit: $50,000 and over $500
rates and fees

Credit limit

$1,000 minimum

Credit facility fee (charged quarterly, advised on application)

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


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

and complete the ANZ Overdraft Application Form (PDF 208kB), then:

Return it to any ANZ branch

Post it to:

Consumer Assessments

C/o ANZ Bank
Locked Bag 2600
Collins Street West Post Office
Melbourne, VIC 8007

Fax it to 1800 172 436

Email it to

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

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.

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

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