---
title: "Business Overdraft — Bank of Queensland Limited"
description: "Overdrafts from Bank of Queensland Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-of-queensland-limited/products/ed176288-5c03-ee11-8f6e-00224814dce7
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-03T03:10:23Z
---

# Business Overdraft — Bank of Queensland Limited

> Overdrafts from Bank of Queensland Limited. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Overdrafts · Bank of Queensland**

You can't always predict when an unexpected expense will arise, or when you need to cover shortages in your cash flow. Our Business Overdraft gives you convenient access to an approved limit when you need it.

## At a glance

- **From:** 12.01% (Variable)

## Apply

Applications are handled by the provider: [Apply at Bank of Queensland Limited](https://www.boq.com.au/business/loan-and-finance/business-overdraft-loan)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Variable interest rate on Residential Security) | 12.01% | — | — |
| Variable (Variable interest rate on Other Security) | 12.76% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Monthly Service Fee — Charged monthly · Nil | Ongoing | $0.00 |
| Emergency Limit Fee — Payable for the establishment of a temporary increase to your business overdraft facility limit | Variation | $300.00 |
| Application Fee — 0.75% of the approved limit applies (minimum $750). A higher fee may be payable where the transaction or corporate structure of the borrower is more complex than usual and therefore requires additional consideration beyond normal assessment work. | Upfront | 0.75% of balance |
| Agreed Credit Advance Fee — Charged every 3 months · 0.40% of the approved limit, with a minimum of $90.00. The fee will be charged quarterly on the last day of March, June, September and December | Ongoing | 0.4% of balance |

## Features

- **Link your Business Overdraft to a Business Visa Debit Card and you have international access. Use your own money to purchase over the phone, via the Internet or anywhere that Visa is accepted.**
- **Interest only repayments - Interest is only charged on the funds utilised, not on your whole overdraft limit**
- **Conveniently linked to your business account. Our Business Overdraft is attached to your Everyday Business Account or a Business Management Account, so you can conveniently access your funds whenever you need it.**
- **Security options - Can be secured by residential property (maximum LVR of 80%) and/or non-residential property (maximum LVR of 70%)**
- **Digital banking** (Range of access options - Access your overdraft via cheque book, branch, ATMs, EFTPOS, internet and mobile banking.)
- **Minimum loan amount is $10,000**
- **Manage your short-term cash flow, unexpected expenses, or simply have access to extra credit if the business need arises**

## Eligibility

- **Business customers** (Business Customers)

## Constraints

- **Minimum limit** — $10,000.00 (Minimum loan amount)

## More information from Bank of Queensland Limited

- [Overview](https://www.boq.com.au/business/loan-and-finance/business-overdraft-loan)
- [Terms & conditions](https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/facility-general-conditions.pdf)
- [Eligibility](https://www.boq.com.au/business/loan-and-finance/business-overdraft-loan)
- [Fees & pricing](https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/business/business-banking-guide-fees-and-charges.pdf)

## Data provenance

- Published by Bank of Queensland Limited under the Consumer Data Right
- Product ID: `ed176288-5c03-ee11-8f6e-00224814dce7`
- Last updated by the provider: 3 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-of-queensland-limited/ed176288-5c03-ee11-8f6e-00224814dce7
- Provider page: https://www.cdrcompare.au/brands/bank-of-queensland-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000241

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-of-queensland-limited/products/ed176288-5c03-ee11-8f6e-00224814dce7) — 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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