An overdraft is a revolving credit facility that's attached to your transaction or cheque account. It’s there when you need it, so it can help you through the leaner months^

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A convenient, cost-effective credit option

Pay less interest

You'll only pay interest on the debit amount, making an overdraft a cost-effective finance option.

Flexible repayment

Pay back some or all of your overdraft when it's convenient for you.


It's available whenever you need it, because the facility stays in place even when you’re not using it.

Overdraft rates and fees

Rates and fees will vary depending on which account you have in overdraft. See rates and fees for:

How to apply

To apply for an overdraft, we'll need to know more about your business and your funding needs.

Enquire online or call:

  • BNZ Partners (turnover over $1 million): 0800 273 916 
  • Small Business Specialists (turnover up to $1 million): 0800 269 763