---
title: "Business overdraft (secured) — Cairns bank"
description: "Overdrafts from Cairns bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/cairns-bank/products/S8_Overdrafts
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-05T09:55:55.000+10:00
---

# Business overdraft (secured) — Cairns bank

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

**Overdrafts · Cairns Bank**

An overdraft facility to assist with day to day cash flow, secured by real estate

## At a glance

- **From:** 7.25% (Variable)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (https://cairnsbank.com.au/banking/business-banking/secured-overdrafts/) | 7.25% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0.01% | — | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| ACCOUNT_KEEPING_FEE | Ongoing | $12.00 |
| APPLICATION_FEE | Upfront | $200.00 |
| ARREARS_FEE — For loans in arrears two month or more | Ongoing | $25.00 |
| CORPORATE_CHEQUE | Event | $10.00 |
| BANK_CHEQUE_FEE — Payable for each cheque from a Bank (other than Cairns Bank) you request | Event | $12.00 |
| DISCHARGE_PREPARATION_FEE — When the balance is repaid in full and a Form 3 is prepared | Event | $60.00 |
| DISCHARGE_SETTLEMENT_FEE — When required to attend at settlement | Event | $100.00 |

## Eligibility

- **Individuals only**
- **Business customers**

## More information from Cairns bank

- [Overview](https://cairnsbank.com.au/banking/business-banking/secured-overdrafts/)
- [Terms & conditions](https://cairnsbank.com.au/information-and-support/disclosure/)

## Data provenance

- Published by Cairns bank under the Consumer Data Right
- Product ID: `S8_Overdrafts`
- Last updated by the provider: 4 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/cairns-bank/S8_Overdrafts
- Provider page: https://www.cdrcompare.au/brands/cairns-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000075

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/cairns-bank/products/S8_Overdrafts) — 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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