---
title: "Commercial Overdraft — BankSA"
description: "Overdrafts from BankSA. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/banksa/products/BSACommercialOverdraft
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-12T02:29:42Z
---

# Commercial Overdraft — BankSA

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

**Overdrafts**

Easy access to approved finance to manage everyday business expenses.

## At a glance

- **From:** 10.06% (Variable)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Commercial Base Rate) | 10.06% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Line Fee — Charged monthly | Ongoing | 1.2% of balance |
| Account Keeping Fee — Charged monthly | Ongoing | $0.00 |
| Lending Establishment Fee — Minimum charge of $600.00 | Upfront | 0.6% of balance |
| Valuation Costs | Event | Variable |
| Discharge Settlement Fee — Payable when we agree to discharge a security linked to the facility | Event | $350.00 |

## Features

- **Approved amount of extra funds linked to your business transaction account**
- **Access funds when spending exceeds your business account balance**
- **Secured or unsecured option**
- **Variable interest rates**
- **24/7 access to available funds, up to the approved limit**
- **Redraw facility** (Repay and redraw at any time within the approved limit)
- **Only pay interest on the overdraft amount used**
- **Manage cash flow while you wait for customer payments **
- **Helps with unexpected business expenses**
- **Extra repayments** (Subject to terms and conditions, this product has EXTRA_REPAYMENTS option available.)
- **Relationship management** (Relationship management is available for eligible customers.)
- **Digital banking** (With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account.)

## Eligibility

- **Minimum age** — 18 years ( An individual 18 years and above)
- **Business customers** (Be a business entity or an individual 18 years and above, domiciled in Australia)
- **Business customers** (Require the funding wholly or predominantly for business purposes)
- **Meets the credit criteria and credit policy requirements under an applicable offer for this product.**

## More information from BankSA

- [Overview](https://www.banksa.com.au/business/business-loans/commercial-overdraft)
- [Terms & conditions](https://www.banksa.com.au/business/business-loans/commercial-overdraft)
- [Eligibility](https://www.banksa.com.au/business/business-loans/commercial-overdraft)
- [Fees & pricing](https://www.banksa.com.au/business/business-loans/commercial-overdraft)

## Data provenance

- Published by BankSA under the Consumer Data Right
- Product ID: `BSACommercialOverdraft`
- Last updated by the provider: 12 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/banksa/BSACommercialOverdraft
- Provider page: https://www.cdrcompare.au/brands/banksa
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000141

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/banksa/products/BSACommercialOverdraft) — 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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