Cairns bank
Business overdraft (secured)
An overdraft facility to assist with day to day cash flow, secured by real estate
OverdraftsBank updated 5 June 2026
At a glance
- Variable
- 0.01%
- Upfront fee
- $200
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variablehttps://cairnsbank.com.au/banking/business-banking/secured-overdrafts/ | — | — | — | 7.25% | — | — |
| Variable | — | — | — | 0.01% | — | paid every 1 mo |
§ 02 — Fees · 7
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| BANK_CHEQUE_FEE | Event | $12 | — | Payable for each cheque from a Bank (other than Cairns Bank) you request |
| CORPORATE_CHEQUE | Event | $10 | — | — |
| DISCHARGE_PREPARATION_FEE | Event | $60 | — | When the balance is repaid in full and a Form 3 is prepared |
| DISCHARGE_SETTLEMENT_FEE | Event | $100 | — | When required to attend at settlement |
| ACCOUNT_KEEPING_FEE | Periodic | $12 | — | — |
| ARREARS_FEE | Periodic | $25 | — | For loans in arrears two month or more |
| APPLICATION_FEE | Upfront | $200 | — | — |
§ 03 — Features
None published.
§ 04 — Eligibility & limits
- · Available to individuals
- · Available to businesses
§ 06 — Run the numbers
Put this product through a calculator
Published by Cairns bank under the Consumer Data Right, last changed by them on 5 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.