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Currently not for sale

Personal Overdraft

Please note this product is currently not for sale.

A personal overdraft is an unsecured loan (up to an agreed limit) that forms part of your everyday Westpac Choice bank account that can help cover some of life’s unexpected financial emergencies.



  • 12.09% p.a. variable interest rate
  • $6 monthly service fee (other fees may apply).
More about a personal overdraft for existing overdraft customers.

Temporary Overdraft

A temporary overdraft lets you access extra funds through your bank account for up to 45 days to help cover short-term financial shortfalls.

From Friday 20th August 2021, we will no longer be offering a Temporary Overdraft for personal bank accounts. 

If you’d like a Temporary Overdraft, you’ll need to have completed an application either in-branch or via our call centre before 20th August 2021. You will still be able to call 1300 720 697 to track your application progress after this date. 

  • Borrow from $250 to $50,000
  • 14.09% p.a. variable interest rate
  • No security required
  • $0 service fee when you spend within the agreed temporary overdraft limits and repay on time (other fees may apply).
More about a temporary overdraft

What is an overdraft?

An overdraft is a line of credit that covers your transactions if your bank account balance drops below zero.

Things you should know

Variable rate may change without notice. Conditions, fees and lending criteria apply. Details available on request.