The Finance Algorithm
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145 Personal Overdraft

Enjoy Financial Flexibility With A Personal Overdraft, Available At A Great Interest Rate.

OverdraftsBank updated 11 June 2026
Apply at Broken Hill Bank ↗Product page ↗Fees and pricing ↗

At a glance

Variable
10.20%
Loan size
$2,000 to $25,000
Upfront fee
$355
Monthly fee
$7

How it compares

This overdraft in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This overdraft: 10.20%Every other institution's lowest, 14 in all

Lowest advertised rate open to anyone, including lines of credit secured against a home. One dot per institution, at its lowest personal overdraft or line of credit rate anyone can apply for; hover or tap a dot for its name.

RateThis overdraftBest anywhereTypical institutionWhere it sits
Personal overdraft or line of creditLowest advertised rate open to anyone, including lines of credit secured against a home10.20%7.49%Police Credit Union Limited's Allegro Line of Credit9.25%of 15 institutions8th lowest of 15

Rates

The one rate Broken Hill Bank publishes for this overdraft.

TypeApplies toTermBandRateComparisonConditions
VariableP&I--10.20%--

Fees

14 fees published, grouped by when they're charged.

  1. When you take it outUp to $3805 fees, each listed below
  2. While you hold it$7 a monthOverdraft Account Keeping Fee
  3. When you close it or pay it offNo fee published

When you take it out5

  • Credit Report Fee
    $20
  • Overdraft Establishment Fee - Secured
    $380
  • Overdraft Establishment Fee - Unsecured
    $355
  • PPSR Registration Fee
    $17.50
  • PPSR Search Fee
    $7.50

While you hold it1

  • Overdraft Account Keeping Fee
    $7 a month

When particular things happen8

  • Contract Variation Fee
    $150
  • Credit Bureau Default Listing
    $75
  • Debt Agreement Fee
    $150
  • Dishonour Fee
    No fee
  • Enforcement Collection Cost
    No fee
  • Enforcement Expense
    No fee
  • PPSR Alteration Fee
    $17.50
  • PPSR Discharge Fee
    No fee

Features

Extra repaymentsInstant paymentsPayIDDigital bankingUnlimited transactionsOverdraftApplePay, GooglePay And SamsungPay"Relationship Rewards"
  • No Penalties For Early Payouts

Eligibility and limits

  • Minimum age 18
  • Residency: Australian Citizens Or Permanent Residents
  • Amount $2,000 to $25,000
  • Subject To Eligibility For Credit Via Loan Application Assessment

Published by Broken Hill Bank under the Consumer Data Right, last changed by them on 11 June 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.