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ANZ Assured

Product not available for sale after 21 November 2022.

As we are continuing to take steps to close overdrafts, you should continue to pay down any remaining balance on your overdraft. Find out more at anz.com/OverdraftFAQ

Extra cash for the unexpected

View interest rates & fees

ANZ Assured temporarily covers your expenses for the times when you need just that little bit extra. With a credit limit of either $500 or $1000 that can be a feature of your selected ANZ everyday accounts, it may help you avoid issues like declined transactions.


Overdraft features

No ongoing fees

You can access an extra $500 or $1,000 whenever you need.

Manage your costs

An overdraft facility can help you avoid dishonour fees.disclaimer

Only pay interest on what you use

You’ll have easy access to the money, but you won’t pay any interest if you don’t use it.disclaimer

It’s easy to access

ANZ Assured can be added to these ANZ everyday accounts: ANZ Access Advantage, ANZ One and ANZ Premium Cash Management.

Rates and fees

variable interest rate and approval fee
No ongoing fees
variable interest rate and approval fee
The variable interest rate disclaimer
Credit limit $500 or $1,000

Your questions answered

We regularly review our products and services. As ANZ Assured is an older product that has not been available for sale since 21 November 2022, we’ve decided to phase it out so that we can continue to better focus on our current products for our customers.

We will provide you with a further update on the closure of overdrafts in the near future, and will notify you in writing to advise you of the new date of when we will close your overdraft where you will be required to repay the outstanding balance by that date should any balance remain.

As we are continuing to take steps to close overdrafts, existing customers should continue to pay down any remaining balance on their overdraft. We’ll be in touch to advise customers of the new closure date. However, if their credit balance is zero and there has been no outstanding balance on their overdraft for a period of 30 consecutive calendar days, we will close the overdraft at or after that time of closure.

Existing customers will not be able to increase their credit limit, but can decrease their credit limit.

No, after 21 November 2022, ANZ Assured cannot be transferred to any other ANZ Everyday bank account.

No, from 21 November 2022 it is not possible to reinstate an ANZ Assured overdraft that has been closed.

Important information

All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply. Australian credit licence number 234527.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the ANZ Assured and Personal Overdraft Terms and Conditions (PDF), ANZ Personal Banking Account Fees and Charges (PDF) and the Financial Services Guide (PDF) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

Debits will be honoured up to your approved credit limit. If there are no funds available under this credit facility, ANZ may process the debit using the Informal Overdraft facility for your linked account (refer to the terms and conditions of your linked account for more details about the Informal Overdraft facility).

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The interest rate applicable as at  is  but is variable and may change.

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