Commercial Overdraft

Flexible and accessible finance, whenever your business needs it.

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Features & Benefits

No monthly service fee
Competitive interest rates
Dedicated Relationship Manager
Your choice of access methods

Managing cash flow needs and unforeseen circumstances with minimum hassle is key for any business. Our Commercial Overdrafts are a flexible, no fuss option to help you meet your working capital requirements and minimise costs.

Our Commercial Lending Specialists work with you to structure an overdraft limit and options tailored to your individual needs, removing uncertainty and making sure the funds you need are available when you need them. We don't charge any ongoing line fees, service fees or unused overdraft fees and you only pay interest on the portion of your overdraft limit you actually use so your peace of mind doesn't come with any hidden surprises!

Available funds in your overdraft are readily accessible through your choice of access method, whether that be online, card, cheque or through our branches or Service Support Centre.1

Product Details

Split Loans Available
Variable rates only
Repayment Options
Interest only
Minimum Amount
Maximum Term
Advance Payments
Repayment Frequency
No regular scheduled repayments
Minimum Deposit (No LMI)
20% (residential security), 35% (commercial security),
40% (rural security), N/A (unsecured)
Monthly Service Fee
Approval Fee
Contact our Commercial Lending Team for details
Interest Rates
Contact our Commercial Lending Team for details


1 Fees and charges may apply.

Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
Please refer to the Product Details when considering if this product is right for you.
Regional Australia Bank Ltd is the issuer of the product.