---
title: "Business Overdraft (Unsec) — Beyond Bank Australia"
description: "Business Loans from Beyond Bank Australia. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/beyond-bank-australia/products/53
source: "CDR Compare"
language: en-AU
last_updated: 2025-11-27T02:00:31.7251324Z
---

# Business Overdraft (Unsec) — Beyond Bank Australia

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

**Business Loans**

A Business overdraft provides ongoing access to funds when you need them.  Use the overdraft to combine your business loan and working capital requirement in one flexible revolving line of credit.

## At a glance

- **From:** 12.99% (Variable)

## Apply

Applications are handled by the provider: [Apply at Beyond Bank Australia](https://www.beyondbank.com.au/business/lending/business-overdraft/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Business Overdraft - Unsecured Line of Credit Loan for Business or Commercial purposes. Conditions apply.A margin may be added to the rate indicated that will change the actual rate received.) | 12.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Search Fee — This fee is payable for each search we conduct in relation to a loan including an ASIC search or Title search. | Upfront | $35.00 |
| Approval / Variation Fee — Applicable when you apply for new or increased credit or request a change to your line of credit contract. | Upfront | $295.00 |
| Default Notice Fee — This fee is payable whenever we send you a default notice because you have defaulted under the contract. | Event | $20.00 |
| Default fee on Business Overdraft (Unsecured) — This fee is payable on the 15th of every month whilst you are in default. | Event | $25.00 |

## Features

- **Bill payment (BPAY)** — BPAY available.
- **Card access** — Visa Debit Card available.
- **Digital banking** (Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.)
- **Digital wallet** — Mobile Wallet (Load your Beyond Bank Visa Debit Card to your phone to make fast and easy transactions.)
- **Notifications** — Text Me or Push Notification Alert (Available with Internet Banking or via notifications from Mobile Banking. Service enables information about accounts to be sent via SMS to a specified mobile number. It is event triggered or on demand.)
- **Real-time payments (NPP)** (New Payments Platform (NPP) available. Allows you to send and receive money instantly between eligible accounts with your PayID.)
- **PayID** (New Payments Platform (NPP) is available. Use your mobile number or email as your PayID to send and receive money instantly between eligible accounts)

## Eligibility

- **Business customers** (Available for Business purposes only.  Conditions apply.)
- **Membership:  You must be or become a Beyond Bank Australia member.**
- **Lending Criteria applies.**
- **Residency status** — Australian Citizen (Must be an Australian citizen, permanent Australian resident or hold a Visa. If a Visa holder's income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan.)

## Constraints

- **Maximum limit** — $10,000.00
- **Maximum LVR** — 0%
- **Minimum limit** — $5,000.00
- **Minimum LVR** — 0%

## More information from Beyond Bank Australia

- [Overview](https://www.beyondbank.com.au/business/lending/business-overdraft/l)
- [Terms & conditions](https://www.beyondbank.com.au/business/lending/business-overdraft/)
- [Eligibility](https://www.beyondbank.com.au/business/lending/business-overdraft/)
- [Fees & pricing](https://www.beyondbank.com.au/business/lending/business-overdraft/)

## Data provenance

- Published by Beyond Bank Australia under the Consumer Data Right
- Product ID: `53`
- Last updated by the provider: 27 November 2025
- Source payload (JSON): https://www.cdrcompare.au/api/raw/beyond-bank-australia/53
- Provider page: https://www.cdrcompare.au/brands/beyond-bank-australia
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000054

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/beyond-bank-australia/products/53) — 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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