---
title: "Edge Overdraft — Gateway Bank"
description: "Overdrafts from Gateway Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/gateway-bank/products/170
source: "CDR Compare"
language: en-AU
last_updated: 2026-01-23T06:00:45.6020427Z
---

# Edge Overdraft — Gateway Bank

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

**Overdrafts**

Edge Overdraft

## At a glance

- **From (owner occupied):** 11.74% (Variable)

## Apply

Applications are handled by the provider: [Apply at Gateway Bank](https://www.gatewaybank.com.au/banking/bank-accounts/edge-overdraft-account/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Edge Overdraft) | 11.74% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Establishment Fee — Payable at settlement per loan | Upfront | $149.00 |
| Withdrawl Transaction Fee for staff assisted — Withdrawl Transaction Fee for staff assisted transactions | Transaction | $7.50 |
| Corporate (Bank) Cheque - Over the counter — Corporate (Bank) Cheque - Over the counter or mailed | Transaction | $7.50 |
| BPAY Payment (Staff assisted) — BPAY Payment (Staff assisted) | Transaction | $7.50 |
| BPAY Trace — BPAY Trace | Transaction | $25.00 |
| BPAY Error Correction — BPAY Error Correction | Transaction | $25.00 |
| Direct Entry/EFT Trace — Direct Entry/EFT Trace | Transaction | $25.00 |
| Direct Entry/EFT Recall — Direct Entry/EFT Recall | Transaction | $25.00 |
| Real Time Gross Settlement (RTGS) — Real Time Gross Settlement (RTGS) (same day EFT) | Transaction | $30.00 |

## Features

- **Bill payment (BPAY)** (24/7 access and BPAY facilities via Online Banking and Telephone Banking)
- **Card access** — Link a Visa Eco Debit Card for online or in-store shopping (Link a Visa Eco Debit Card for online or in-store shopping)
- **Digital banking** (Access is available to online banking features for the product)
- **Overdraft available** (Credit limit of up to $20,000 (subject to approval))
- **Unlimited transactions** (Unlimited extra repayments)

## Eligibility

- **Minimum age** — 18 years

## Constraints

- **Maximum limit** — $20,000.00
- **Minimum limit** — $1,000.00

## More information from Gateway Bank

- [Overview](https://www.gatewaybank.com.au/banking/bank-accounts/edge-overdraft-account/)
- [Terms & conditions](https://www.gatewaybank.com.au/important-information)
- [Fees & pricing](https://www.gatewaybank.com.au/media/tpnjx0rz/gateway_loan-fees-and-charges.pdf)

## Data provenance

- Published by Gateway Bank under the Consumer Data Right
- Product ID: `170`
- Last updated by the provider: 23 January 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/gateway-bank/170
- Provider page: https://www.cdrcompare.au/brands/gateway-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000132

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/gateway-bank/products/170) — 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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