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. Talk to us about your options or apply online.

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.

Apply for an overdraft online

QuickBiz is a fast and easy way to apply online for an overdraft, linked to a MyMoney for Business or Business First Transact account. You could access overdraft funds between $5,000 and $100,000, without needing to provide additional security.

Overdraft rates and fees

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

Loans and finance help and support

If you have any questions, or would like more information, email us or call:

Medium to large business: 0800 273 916

Small and start-up business: 0800 269 763