Business Overdraft

We understand the everyday cashflow needs of business. That's why you can apply for a business overdraft to help manage payment cycles, smooth out cashflow shortages and fund unexpected expenses.

Extra money to help cash flow management

  • access your overdraft funds through Phone Banking, Business Online banking, at your local branch, or by any usual payment method
  • there are no minimum or fixed monthly repayments so can manage your overdraft as it suits you
  • and you can apply for a temporary overdraft extension if you need it

How it works

You can apply for an overdraft facility for your business transaction account. We’ll review your overdraft periodically to check it’s giving you what you need.

Overdraft details

  • minimum overdraft limit – $500
  • maximum overdraft limit – depends on your ability to meet credit and debt-servicing criteria
  • we may need some security, such as residential property, commercial property or business assets
  • we calculate the interest daily on any overdraft funds used and charge on the last business day of the month


  • normal transaction fees will apply for your account
  • an establishment fee applies and some other services fees, including overdrawn or line of credit charges, may apply from time to time