---
title: "Commercial Overdraft — St.George Bank"
description: "Overdrafts from St.George Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/st-george-bank/products/STGCommercialOverdraft
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-15T00:00:00Z
---

# Commercial Overdraft — St.George Bank

> Overdrafts from St.George Bank. 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:** 9.81% (Variable)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Commercial Base Rate) | 9.81% | — | — |

## 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 · Discount −0.6% of balance — This fee is waived for new customers (eligibility: Other: Special offer: $0 establishment fee for a limited time, you?ll pay $0 establishment fee when you add a Commercial Overdraft to a business transaction account or top-up your existing Commercial Overdraft. This could save you up to $1,500 on a new overdraft limit of $250,000, or $750 on an overdraft top-up of $250,000. Offer is available for applications received and approved between 7 April 2026 and 30 Sep 2026. New limit or Top-up of up to $1m) | 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

- **Special offer: $0 establishment fee for a limited time, you?ll pay $0 establishment fee when you add a Commercial Overdraft to a business transaction account or top-up your existing Commercial Overdraft. This could save you up to $1,500 on a new overdraft limit of $250,000, or $750 on an overdraft top-up of $250,000. Offer is available for applications received and approved between 7 April 2026 and 30 Sep 2026. New limit or Top-up of up to $1m**
- **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

- **Business customers** (Your business must be registered in Australia)
- **Minimum age** — 18 years ( An individual 18 years and above)
- **A business entity or an individual 18 years and above, domiciled in Australia and 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 St.George Bank

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

## Data provenance

- Published by St.George Bank under the Consumer Data Right
- Product ID: `STGCommercialOverdraft`
- Last updated by the provider: 15 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/st-george-bank/STGCommercialOverdraft
- Provider page: https://www.cdrcompare.au/brands/st-george-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000140

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/st-george-bank/products/STGCommercialOverdraft) — 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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