8am-8pm, 7 days a week
A temporary personal overdraft is an unsecured loan (up to an agreed limit) that forms part of your everyday Westpac Choice bank account balance to help cover short-term financial shortfalls for up to 45 days.
A temporary overdraft cannot be used for:
Variable rate may change without notice. Conditions, fees and lending criteria apply. Details available on request.
MasterCard® is the registered trademark of MasterCard International Incorporated.
BPAY® Registered to BPAY Pty Ltd ABN 69 079 137 518
|Loan amount||Establishment fee|
|$50,000 and over||$150|
Other fees and charges apply as set out in the terms and conditions for your linked account. These fees may be related to the way you access your funds through your linked account or because of the impact on that account of your not meeting the overdraft terms and conditions. Fees may change.
|Overdraft amount||Variable rate|
|$250 - $50,000+||14.09% p.a.
To be eligible for a temporary overdraft, you need to:
How to apply
Call us on 132 651, 8am-8pm, 7 days a week.
Conditional approval could be given on the spot. However, we’ll also need to establish your ability to repay the temporary overdraft in full at the end of the term.