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Branch closure - Sydney, New South Wales and Melbourne CBD, Victoria. Following the Government’s announcement of stay-at-home restrictions, we've decided to temporarily close our Sydney CBD branch and Melbourne CBD branch. We’ve made this decision to limit the potential risks to our customers and staff and to support the efforts to limit the spread of COVID-19 in the areas under stay-at-home restrictions. While the branches are closed, we’ll be able to help you over the phone on 132 888 Monday to Friday 8am-8pm and Saturday 9am – 2pm AEST. View details


Apply for an overdraft to fund purchases and cash flow prior to the receipt of payments. Link your Commercial Access Account to our Commercial Overdraft and enjoy more flexibility.

Interest rate from
4.34% p.a.

effective 7 October 2021

More rates and fees
Total Lending Interest Rate
SME Loan Guarantee Scheme 4.34% p.a.
Residential Security 4.99% p.a.
General Commercial Security 5.49% p.a.
Unsecured 12.58% p.a.

Why choose a Commercial Overdraft?

  • A range of convenient access options
  • Flexible repayment options
  • Can be used for any business or commercial purpose
The fine print

Things you should know

1. Any information and advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and seek any third party advice you need.
2. Before deciding to apply, we provide and recommend you read our Financial Services Guide.
3. All applications are subject to a credit assessment and approval. Terms and conditions apply. All applicable terms and conditions will be included in our loan offer.
4. Additional fees and charges may be payable – all relevant details will be included in our loan offer.
5. Information and interest rates are current as at the date of publication and are subject to change at any time, at the discretion of Bank Australia Limited.
6. This document does not constitute a contract for finance.

Get in touch


Send us an email

Call 132 888

Talk to a specialist

20 Oct 2021

17 Sep 2021

Managing my money
8 Oct 2021