---
title: "BUSINESS OVERDRAFT — Auswide Bank Ltd"
description: "Business Loans from Auswide Bank Ltd. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/auswide-bank-ltd/products/9e761c78-f980-459a-a02f-03f39acdc759
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-28T09:49:13.000+10:00
---

# BUSINESS OVERDRAFT — Auswide Bank Ltd

> Business Loans from Auswide Bank Ltd. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Business Loans · A-Auswide Bank**

A business overdraft with flexibility to draw on your available credit limit, allowing you to manage business cash flow and expenses.

## At a glance

- **From (investment):** 10.16% (Variable)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 10.16% | — | Residential Security - Var $50,000–$5,000,000 |
| Variable | 10.83% | — | Commercial/Other Security $50,000–$5,000,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| ESTABLISHMENT_FEE_-_BUSINESS_LOANS — Miniumu fee of $600.00. To cover our costs associated with establishing your loan/additional loan, further advance, increasing your credit limit or when you substitute one security property with another. Minimum fee of $600.00 | Upfront | 0.5% of balance |
| VALUATION_FEE_-_NEW_LOANS_&_LOAN_INCREASES — Initial Valuation Fee included in Establishment Fee up to $300 (total per application). Initial Valuation Fee included in Package Fee up to $400 (total per application), subsequent Valuation Fees (eg. additional loans) included in Package Fee up to $300 (total per application). | Cash advance | Variable |
| SETTLEMENT_FEE — Payable when we process the settlement of your loan. Waived for Freedom Package loans | Event | $100.00 |
| DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS — Charged at Cost. May apply where we need to engage external solicitors to prepare the mortgage documents. Covers the cost of documentation preparation, Government charges etc. | Cash advance | Variable |
| CONDITIONS_SUBSEQUENT_COSTS — Charges vary - Charged at Cost. May apply to reimburse us the costs associated with confirming compliance with any special conditions in your loan agreement, such as the charges from third parties to provide reports to us. | Cash advance | Variable |
| LEGAL_AGENT_FEE — Charges vary according to location of security. May be payable if we arrange a legal agent to represent us. | Cash advance | Variable |
| ACCOUNT_SERVICE_FEE_-_BUSINESS_ACCESS_ACCOUNT — Charged monthly · Payable for managing your account | Ongoing | $10.00 |
| OVERDRAFT_LINE_FEE — Charged monthly · This fee is charged to ensure the limit is available as required | Ongoing | $12.00 |
| DEFAULT_ADMINISTRATION_FEE — Charged per month, if you fail to make a payment by the due date | Event | $40.00 |
| RTGS_OUTWARD_PAYMENT_FEE — Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for    same day    payment | Transaction | $20.00 |
| MORTGAGE_RELEASE_FEE — Plus third party costs if applicable. Payable per mortgage when we process your request to release a security from your loan, including a partial release. Third party costs may also be payable | Event | $400.00 |
| DIRECT_DEBIT — Payable if we process a direct to your account. This includes payments which you initiate electronically | Transaction | $0.50 |
| CHEQUE_WITHDRAWAL_USING_CHEQUE_BOOK — Payable when you write a cheque and it is presented on your account | Withdrawal | $2.00 |
| TELEGPRAPHIC_TRANSFER_FEE — $AU cuurency $50 per transfer OR foreign currency $30 per transfer. Payable each time you request an electronic transmission of funds to an account at an overseas bank. | Payment | $50.00 |
| ATM_DIRECT_CHARGE_FEE — Direct charge fee is levied by the ATM owner. May be payable to the ATM owner when using your card to withdraw or check your balance at a non-Auswide Bank ATM network ATM. | Cash advance | Variable |
| CURRENCY_CONVERSION_FEE — Payable when you use your card to pay for purchases or withdraw cash at overseas retail outlets or overseas ATM | Transaction | 3% of transaction |
| DISHONOUR_FEE_-_DIRECT_DEBIT_AND_EXTERNAL_PAYMENT — Charged per rejection. Payable when you've arranged a direct debit payment or external payment to an account at another financial institution but there are insufficient clear funds in your account | Event | $15.00 |
| FOREIGN_ATM_WITHDRAWAL_FEE — Plus 3% Currency Conversion Fee. Payable when you use your Visa Debit Card at any oversas ATM to withdraw from your account | Withdrawal | $5.00 |

## Features

- **Bill payment (BPAY)** — BPAY
- **Card access** — Visa Debit Card
- **Digital banking**
- **Overdraft available**
- **Unlimited transactions**
- **Credit interest payable - see Business Access Account for deposit rates.**
- **Real-time payments (NPP)**
- **PayID**

## Eligibility

- **Business customers**

## Constraints

- **Maximum LVR** — 80%
- **Maximum limit** — $5,000,000.00
- **Minimum limit** — $50,000.00

## More information from Auswide Bank Ltd

- [Fees & pricing](https://auswidebank.com.au/info/fees-and-charges/#businessLoans)

## Data provenance

- Published by Auswide Bank Ltd under the Consumer Data Right
- Product ID: `9e761c78-f980-459a-a02f-03f39acdc759`
- Last updated by the provider: 27 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/auswide-bank-ltd/9e761c78-f980-459a-a02f-03f39acdc759
- Provider page: https://www.cdrcompare.au/brands/auswide-bank-ltd
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000144

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/auswide-bank-ltd/products/9e761c78-f980-459a-a02f-03f39acdc759) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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