Skip to main content Skip to main navigation
Skip to accessibility page Skip to search input

Personal Overdraft

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.


  • Borrow from $250 to $25,000
  • 12.09% p.a. variable interest rate
  • No security required
  • $6 monthly service fee (other fees may apply).
More about a personal overdraft

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.


  • 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.