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Home / I want to / Spend and save with an Overdraft

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Want to get the best of both worlds?

Up to
0.10% pa
Edge Account
Balances $1000+

11.74% pa
Edge Overdraft

Get an overdraftOpen an account

Attach an Edge Overdraft to your Edge Account

We know life can be busy. With bills, rent or mortgage repayments, it can sometimes be difficult to keep track of your account balance.

That’s where an approved overdraft facility can help.

With credit limits of up to $20,000 (subject to credit approval), an Edge Overdraft can help you through life’s little hiccups. Our low interest rate may make the Edge Overdraft a more attractive option than a credit card.

An Edge Overdraft doesn’t just provide you with a financial safety net; it also rewards you for the months that you are able to save. Currently, all Edge Accounts with a balance of $1,000 or above will receive a high savings interest rate.




No monthly account keep fees


Access money easily with a Visa Debit Card, Online Banking and Gateway 2go app


Avoid overdrawn penalties on your account


Access a wide range of Australian ATMs, fee-free
  Edge Overdraft Features:
Edge Overdraft
Key Features
Variable interest rate11.74% pa
Establishment fee$0 
Monthly fee$0 1
Minimum amount$1,000 
Maximum Amount$20,000
Maximum term (years)None 
Periodic paymentsYes 
ATM/EFTPOS accessYes 
Branch accessYes 
BPAY®Yes 2


1 A minimum monthly payment of 3% of outstanding balance is required when account is in overdraft. Full outstanding balance is repayable on demand. Overdraft interest is calculated daily and credited monthly (on the last day of the month) to the outstanding balance.

2 ® Registered to BPAY Pty Ltd ABN 69 079 137 518.