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Business Overdraft

Manage your cash flow with peace of mind.

A business overdraft is a fully fluctuating facility that allows you to continue drawing money up to the approved overdraft limit.


  • Helps you manage your cash flow

  • Takes the stress out of covering wages and expenses

  • Ultimate repayment flexibility

  • Only pay interest on the funds used


  • Linked to Business Everyday or Business Basic Accounts
  • At call funds
  • Access via debit card, e-banking, or in branch
  • Digital wallets and extra security
  • Variable interest rate

How does it work?

An overdraft lets you access more than what you have in your transaction account.

You'll be charged interest on the amount you borrow. And you only need to make repayments to keep your balance below your overdraft limit.

Here's an example:
  • 1
    You have a $20,000 overdraft limit.
  • 2
    You use your overdraft to pay $15,000 in expenses.
  • 3
    You're charged interest only on the balance, not the limit. 
  • 4
    Pay back the balance and you won't be charged any further interest.

Rates and fees

Interest Rates from 6.99% p.a.#

You can call us on 1300 236 344 to find out further information on application fees, service fees and other fees for your business lending. 

Not sure which product is for you?

We can help you choose.

Can we help you?


Send us an online enquiry for all your business questions.


Contact a local business specialist today.

At a branch

Use our branch locator to search for a branch, agency or ATM near you.

# Interest rate quoted is indicative and applicable for new lending only.

Rates and fees differ based on the type of security, the loan amount and other factors. 

* The Overlimit Rate applies in addition to your overdraft rate if you exceed an approved overdraft limit. 

Subject to terms and conditions. Fees and charges apply. Full details available on application. All loans subject to Bendigo Bank's normal lending criteria. 

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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