Personal Overdraft
Provides an unsecured credit facility to manage your cash flow, with on call access to savings and a full range of payment services
- From
- 15.75%
- Variable
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 15.75% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Calculated on minimum monthly balance of savings portion when not using overdraft component, paid annually. | 0.01% | — | yearly |
Fees
| Fee | Type | Amount |
|---|---|---|
| BANK@POST_TRANS Capped at $0.00 · First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390. | Transaction | $4.00 |
| IN_BRANCH_TRANSACTION Capped at $0.00 · This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied. | Transaction | $2.50 |
| VISA_ATM_WITHDRAWAL_OVERSEAS Capped at $0.00 | Transaction | $2.00 |
| BANK@POST_DECLINED_TRANS Capped at $0.00 | Event | $4.00 |
| ALERTS Capped at $0.00 · First 8 free | Event | $0.25 |
| ATM_DECLINED_TRANSACTION Capped at $0.00 · This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied. | Event | $2.50 |
Features
- Access your personal account wherever you see an Australia Post retail outlet displaying the Bank@Post sign, if you have a card linked to the account on which you want to transact.
- No minimum repayment is required until the limit of the overdraft is exceeded. At this time, sufficient funds are to be deposited to the account to bring the balance below the agreed limit
- Card access — Yes
- Shop online or in store with our Visa Debit card
- Digital wallet — Apple Pay
- The easy way to pay everyday with Apple Pay
- Digital wallet — Google Pay
- The convenience of a mobile wallet in your hands with Google Pay
- Digital banking
- 24/7 access to your accounts anywhere in the world with our smartPAY App. You can also temporarily block your card or report it lost or stolen.
Eligibility
- Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application.
- Residency status — AUIndividuals must be citizens or permanent residents of Australia.
- Individuals onlyAvailable for personal borrowers only
- You can only have one Personal Overdraft account in your name.
- Minimum age — 18 years
Constraints
- Minimum limit — $2,000.00
- Maximum limit — $25,000.00
More Information
Published by Northern Inland Credit Union Limited under the Consumer Data Right · Last updated 1 October 2025 · Product ID NICUS51 · View on CDR.gov.au · View Source Data (JSON)