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ANZ Overdrafts
Products no longer available for sale.
ANZ Assured
(Product not available for sale after 21 November 2022)
A credit limit of either $500 or $1,000 could help to temporarily cover unexpected cash shortfalls.
- Extra cash when you need it
- The benefit of only paying interest on the credit you use
- $0 Approval Fee
- No ongoing fees
Interest rate |
disclaimer |
Approval fee |
$0 |
Credit facility fee |
$0 |
Use this overdraft to
- Temporarily cover unexpected cash shortfalls
- Avoid dishonor feesdisclaimer
Personal Overdraft
(Product not available for sale after 4 July 2021)
A credit of $1,000 or more (up to an approved limit) to be used whenever you need it.
- Extra cash when you need it with no set repayments
- The benefit of only paying interest on the credit you use
Interest rate |
disclaimer |
Approval fee |
Under $20,000: |
$100 |
$20,000-$49,999: |
$200 |
$50,000 and over |
$500 |
Credit facility feedisclaimer |
Less than $20,000: |
$200 p.a. |
$20,000 or more: |
1.7% of the limit p.a. |
Use this overdraft to
- Cover unexpected financial needs
- Gain control of your finances
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 131kB), ANZ Personal Banking Account Fees and Charges (PDF 175kB) 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.
The interest rate applicable as at is but is variable and may change.
ReturnDebits 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).
ReturnThe interest rate applicable as at is but is variable and may change.
ReturnThe Credit Facility Fee is debited to your account in arrears on a monthly, quarterly or annual basis (as applicable) from the date on which your account was opened. The fee is calculated by dividing the annual Credit Facility Fee by 366, then multiplying that figure by the number of days the facility is in effect for that relevant cycle.
Return