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Business

Business Overdrafts.

A Business Overdraft provides ongoing access to funds, when you need them.

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Key benefits.

If you’re seeking a revolving line of credit offering flexibility, value and control, our Business Overdraft could be what you need. Use the overdraft to combine your business loan and working capital requirements.¹

Competitive interest rate.
Limits as small as $10,000.
No monthly fee – even when not drawndown.

Great features.

  • A financial safety net for when you’re a little short of funds
  • No fees for redrawing up to your limit²
  • Fast approval and funding process
  • Visa Debit Card available.
  • Load your Beyond Bank Visa Debit Card to your phone to make fast and easy transactions.
  • Some transactions performed on this account are included within a Business Banking fee allowance
  • BPAY available.
  • Notifications available with Internet Banking or via notifications from Mobile Banking. Service enables information about accounts to be sent via SMS to a specified mobile number. It is event triggered or on demand.
  • Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.

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Interest rates.

Secured Overdraft Interest Rate (%p.a.)
Variable Rate 8.59% p.a.
Unsecured Overdraft Interest Rate (%p.a.)
Variable Reference Rate 12.99% p.a.

Business Overdraft - Unsecured Line of Credit Loan for Business or Commerical purposes. Conditions apply.

Fees and charges.

Approval / Variation Fee

$295

View our Fees and Charges Guide for the full details. Other up-front fees including government charges may apply based on the loan and application type and can be advised on application.

How to apply
Talk to one of our Business Banking Specialists today.
Request appointment

Who can apply?

Our Business Overdraft is available to business customers. When you acquire this product you will automatically become a member of Beyond Bank Australia and become a part-owner of the bank.

Other products you may be interested in.

   
 

Interest rates are current as at 19 May 2026 and are subject to change.
   
 

A margin may apply on top of the base rate depending on the borrower and the type of security provided.
   
1

Secured against an eligible residential or commercial property.
   
2

Refer to our Fees and Charges booklet for more information.
   
 

Business Overdraft is secured by registered mortgage over property.
   
 

All applications for credit are subject to Beyond Bank’s credit assessment criteria. Terms and conditions are available on request. Fees and charges apply. This information is available on our website at beyondbank.com.au/about-us/corporate-governance/disclosures, by calling us on 13 25 85 to request a copy or by visiting a branch.
   
 

All products and services are provided by Beyond Bank Australia Ltd, 100 Waymouth Street, Adelaide, SA 5000, ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2026.