The Finance Algorithm
92 products · 40 institutions · refreshed nightly

Overdrafts.

Personal and business overdraft rates and fees.

Bank · productFixedVariableLoan sizeUpfront feeOngoing
Australian Mutual BankEveryday Business Account0.00%$2,400$100/yr
Bank of usBUSINESS ADVANTAGE-OVERDRAFT0.00%$5,000 to $50,000$1,800$15/mo
bcuAll-In-One0.00%$20,000 to $5,000,000$300
bcuInv All-In-One0.00%$20,000 to $5,000,000$300
Cairns bankCairns Bank personal overdraft0.00%
CENTRAL MURRAY CREDIT UNION LIMITEDPREMIUM BUSINESS0.00%
CoastlineBusiness Access Plus0.00%$500 to no max$85$10/mo
POLICE CREDIT UNION LIMITEDRedi Access Overdraft Account0.00%$390
Cairns bankBusiness overdraft (secured)0.01%$200
CENTRAL MURRAY CREDIT UNION LIMITEDBUSINESS ACCOUNT0.01%
CENTRAL MURRAY CREDIT UNION LIMITEDEVERYDAY ACCESS0.01%
Horizon BankBUDGET OVERDRAFT0.01%$50/yr
IMB BankSecured Business Overdraft0.01%$2,000 to $500,000$7.60/mo
IMB BankUnsecured Business Overdraft0.01%$2,000 to $20,000$7.60/mo
NORTHERN INLAND CREDIT UNION LTD.Commercial Overdraft0.01%$2,000 to no max$8/mo
NORTHERN INLAND CREDIT UNION LTD.Easy Access0.01%$2,000 to no max$8/mo
NORTHERN INLAND CREDIT UNION LTD.Personal Overdraft0.01%$2,000 to $25,000
P&N BankEquity Access Account0.01%$20,000 to $5,000,000$325
RACQ BankBusiness Secured Current Account0.01%$20,000 to no max$1,100
CommBankBusiness Overdraft0.10%$2,000 to no max
CENTRAL WEST CREDIT UNION LTDS18 Smart Plus (secured by mortgage over residential property)1.25%$150
POLICE CREDIT UNION LIMITEDAllegro Line of Credit7.49%$420
POLICE CREDIT UNION LIMITEDEquity Plus Home Loan Line of Credit7.49%$420
POLICE CREDIT UNION LIMITEDEquity Plus Personal Line of Credit7.49%$420
IMB BankCommercial Credit line7.99%$100,000 to $2,000,000$1.60/mo
WestpacBusiness Overdraft8.11%
QBANKClassic Plus Overdraft $250,000.00 and Above8.29%$250,000 to no max$490
Broken Hill BankS40 Home Equity Advantage8.30%$2,000 to no max$1,380$7/mo
CoastlineHome Equity Access8.31%$50,000 to no max$700$5/mo
CoastlineHome Equity Access8.31%$50,000 to no max$700
QBANKClassic Plus Overdraft Less Than $250,000.008.44%$100,000 to no max$490
Gateway BankReverse Mortgage Access8.49%8.57% comparison$50,000 to $2,000,000$995$0/mo
SCCUBUSINESS OVERDRAFT8.50%
BOQ SpecialistOverdrafts8.60%$495
Queensland Country BankLine of Credit8.69%$550$0/mo
QBANKMortgage Secured Overdraft8.89%$30,000 to no max$490
RACQ BankHome Loan Overdraft9.00%$20,000 to no max$550
The CapricornianBusiness Access Overdraft9.10%$3,650$115/mo
Great Southern BankBusiness Overdraft (residential secured)9.45%$20,000 to $250,000$985
Gateway BankEquitiSmart Home Loan9.50%$20,000 to $1,000,000$800
Bank of MelbourneCommercial Overdraft9.81%$0/mo
Bank of MelbourneCommercial Unsecured Overdraft9.81%$250
BankSACommercial Overdraft9.81%$0/mo
BankSACommercial Unsecured Overdraft9.81%$250
St. George BankCommercial Overdraft9.81%$0/mo
St. George BankCommercial Unsecured Overdraft9.81%$250
Gateway BankInv EquitiSmart Home Loan10.12%$20,000 to $1,000,000$800
Broken Hill Bank145 Personal Overdraft10.20%$2,000 to $25,000$780$7/mo
SummerlandBusiness Plus Overdraft10.29%$1,000 to no max$800$8/mo
SummerlandEquity Extra Investment Overdr10.29%$10,000 to no max$1,300$19/mo
Great Southern BankBusiness Overdraft (commercial secured)10.35%$20,000 to $250,000$985
NABNAB Business Overdraft10.72%$20,000 to no max
WARWICK CREDIT UNIONCHOICE ACCOUNT10.80%$20,000 to $150,000$1,087.63
Queensland Country BankOverdraft - Secured11.09%$50$0/mo
Gateway BankEdge Overdraft11.74%$1,000 to $20,000$149
CENTRAL WEST CREDIT UNION LTDVisa Access Account12.50%$500 to no max
WestpacUnsecured Business Overdraft13.71%$5,000 to $250,000$250
IMB BankPersonal Line of Credit13.85%$500 to $20,000
Woolworths Team BankAccess Account Overdraft13.85%
Woolworths Team BankBudget Account Overdraft13.85%
CoastlineReady Now Cash14.00%$2,000 to $50,000$385
CommBankCommBank AdvancePay14.90%$100 to $2,000
CommBankTemporary overdrafts14.90%
Queensland Country BankOverdraft - Unsecured15.04%$0/mo
NABNAB QuickBiz Overdraft16.25%$5,000 to $50,000
Arab Bank Australia Ltd ProdBusiness Overdraft17.65%$10,000 to no max$600$6/mo
CoastlineBusiness Access19.00%$500 to no max$85
CoastlineCoastline Access19.00%$500 to no max$385
CoastlineCommunity Support19.00%$500 to no max$385
CENTRAL MURRAY CREDIT UNION LIMITEDSMP LINE OF CREDITRates on application
Dnister BankEveryday AccessRates on application$864.50
Dnister BankEveryday BusinessRates on application$614.50
SummerlandEquity ExtraRates on application$1,000 to no max$1,300$19/mo
SummerlandEquity Extra OverdraftRates on application$10,000 to no max$1,300$19/mo
SummerlandEveryday OverdraftRates on application$1,000 to no max$175$8/mo
CommBankStream Working CapitalRates on application$500,000 to no max
Judo BankJudo Line of CreditRates on application$250,000 to $20,000,000
Newcastle PermanentBusiness Overdraft FacilityRates on application$600
Suncorp BankBusiness Overdraft (Commercial Business, Agribusiness and Small Business)Rates on application
ANZANZ Business OverdraftRates on application$2,000 to $300,000
CommBankTemporary Excess BusinessRates on application$2,000 to no max
Bendigo BankBendigo Business OverdraftRates on application$20,000 to no max
Corporate and Institutional BankingOverdraftRates on application
MacquarieBusiness OverdraftRates on application$50,000 to no max

Showing 84 of 92 overdrafts. 8 with restricted eligibility (staff, profession, age, green or business-only) are hidden.

Published by each institution under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.