Overdrafts
Enjoy flexibility for unexpected expenses
Enjoy flexibility for unexpected expenses
Interest and fees.
| Overdraft Type | Interest Rate |
| Unsecured | 14.45% p.a.* |
| Mortgage Secured | 7.99% p.a.* |
| Fees | |
| Monthly account keeping fee | $5 |
To reduce or cancel your credit limit complete our online form or call us on 1300 132 249.
Good to know it’s there.
An Overdraft can be attached to any of our Everyday accounts and features the following:
- $249 application fee
- $5 monthly fee for personal Overdrafts with a limit of $1,000 or more
- Minimum monthly repayment of 1% for mortgage secured and 3% for unsecured Overdrafts with a minimum monthly repayment of $20.
Other fees and charges may apply, please refer to our Fees and Charges.
What makes it so great ?
$20 minimum repayment.
The minimum monthly repayment is 1% for mortgage secured and 3% for unsecured overdrafts with a $20 minimum repayment.
Convenience .
If you’re low on funds or have unexpected expenses, an overdraft attached to your eligible transaction account can help see you through.
Assurance
You don’t have to use it but it’s good to know it’s there. You’re only charged interest on the amount you use.
Flexibility
You can request a limit up to $15,000 to suit your needs. Higher limits for mortgage secured overdrafts are subject to further approval.
FAQ's
You can apply if you:
- Are over 18 years of age
- Have a regular income
- Are not or have not been bankrupt (including Part IX agreements)
- Are an Australian citizen or a permanent resident
- Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years
- Have been in your current job longer than 6 months
- Have an acceptable Credit Risk Profile (Credit Score)
- Your personal details, such as your current and previous address, phone number and email address
- Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have.
We're here for you .
Our opening hours
Our contact centre is open Monday-Friday 9am-5pm (AEST) and 8am-3pm (AEST) on Saturdays.
Are you a First Home Buyer?
With as little as 5% deposit, eligible first home buyers have the opportunity to purchase a property through the First Home Guarantee (FHBG).
Find out moreImportant notes
You can view Target Market Determinations here.
Credit eligibility criteria, terms & conditions, fees & charges apply.
*Rate is current as at 01/03/26 and subject to change without notice.
