ANZ Personal Overdraft
Extra cash whenever you need it
Overdraft features
Links to your ANZ everyday accountANZ 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 useYou’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 repaymentsWith an ANZ Personal Overdraft, you can use and repay funds as it suits you - you’re in control. |
It’s easy to accessSimply access funds in the same way as you normally bank, including the ANZ Appdisclaimer, ANZ ATMs, EFTPOS and Internet Banking, or at any ANZ Branch. |
The variable interest rate |
disclaimer |
Approval fee
| Credit limit: Under $20,000 | $100 |
| Credit limit: $20,000- $49,999 | $200 |
| Credit limit: $50,000 and over | $500 |
Credit limit |
$1,000 minimum |
Credit facility fee (charged quarterly, advised on application)
| Credit limit: Less than $20,000 | $50 |
| Credit limit: $20,000 or more | 1.7% 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
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)
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 youroddocs@anz.com
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 anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.
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The interest rate applicable as at is but is variable and may change.
Back to topThe ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
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