Apply for an overdraft

Last updated: 24/08/2017 08.48 AM

How do I apply for a new overdraft?

If you have an existing ANZ account that you wish to apply for an overdraft on, please contact us.

If you wish to apply for a new account with an overdraft, you can do this online or through ANZ Internet Banking.

ANZ Internet Banking
Online via the website (if not registered for Internet Banking)



To be eligible for an overdraft on your everyday account, you must:

  • be 18 years or older with a regular income
  • have your main source of income directly credited to your ANZ account
  • be a New Zealand resident



Overdraft application fee


Monthly overdraft management fee

0.12% of the agreed overdraft limit or overdrawn balance, whichever is greater (minimum $5 per month)



Special rates

Special offers such as reductions on interest rates and fees may be applicable to tertiary students.

ANZ Jumpstart Account

Contact us

By phone

on 0800 269 296

6am to 12 midnight,
7days a week


Contact us online

Visit an ANZ branch

Find your nearest branch