{
  "source": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/OD",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "OD",
    "lastUpdated": "2026-05-18T00:55:15.261Z",
    "productCategory": "OVERDRAFTS",
    "name": "Overdraft",
    "description": "The overdraft facility allows the borrower to have a negative balance on the current account in the respective currency. The overdraft is an on-demand credit facility, designed to be used as a flexible borrowing for general working capital requirements.",
    "brand": "HSBC",
    "brandName": "Corporate and Institutional Banking",
    "isTailored": true,
    "additionalInformation": {
      "feesAndPricingUri": "https://www.business.hsbc.com.au/-/media/library/markets-selective/australia/pdf/corporate-banking-fees-and-charges.pdf"
    },
    "lendingRates": [
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.112",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "AUD BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.11",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "USD BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.1065",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "EUR BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.10",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "NZD BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.1135",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "GBP BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.0805",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "CNY BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.095",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "CAD BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "6.45",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "JPY BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.0772",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "SGD BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.1425",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "ZAR BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.105",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "HKD BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.098",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "AED BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.0915",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "THB BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.0825",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "SEK BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.0744",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "CHF BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.0725",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "FJD BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.12",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "PGK BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.0965",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "QAR BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.101",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "DKK BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "MARKET_LINKED",
        "rate": "0.1025",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "additionalValue": "P1D",
        "additionalInfo": "NOK BLR rate used to price overdrafts. Any unauthorised overdrafts are charged an additional 2% above BLR rates.",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates",
        "applicationType": "PERIODIC"
      }
    ]
  }
}