--- title: "Business Access Overdraft — The Capricornian" description: "Overdrafts from The Capricornian. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/the-capricornian/products/b441353b-3897-437f-a0da-4ad6f7ae9ea3 source: "CDR Compare" language: en-AU last_updated: 2026-07-17T06:13:24.528915Z --- # Business Access Overdraft — The Capricornian > Overdrafts from The Capricornian. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Overdrafts · THE CAPRICORNIAN** Take control of your cash flow with a Capricornian business overdraft so you can ride out those unexpected business expenses. ## At a glance - **From:** 9.1% (Variable) ## Apply Applications are handled by the provider: [Apply at The Capricornian](https://www.capricornian.com.au/about-us/contact-us/) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (Customer margin may apply · Aged 18 years or older) | 9.1% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Visa Debit Cash Advance — Where credit option is selected for cash/cash and purchase transaction | Withdrawal | $0.70 | | Establishment Fee - Temporary Overdrafts, Increase of limit between $10 - $10,000 | Upfront | $100.00 | | BPAY - Branch and Contact Centre | Payment | $3.00 | | Establishment Fee - Temporary Overdrafts, Increase of limit greater than $10,001 | Upfront | $250.00 | | Overdraft Service Fee - Overdraft Limit $5,000 and under — Charged monthly | Ongoing | $5.00 | | Overdraft Service Fee - Overdraft Limit between $5,001 - $100,000 — Charged monthly | Ongoing | $20.00 | | Cheque Deposits | Transaction | $0.30 | | EFTPOS Including declined transactions | Payment | $0.70 | | Establishment Fee - Overdraft Limit between $20,000 - $100,000 — Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. | Upfront | $600.00 | | External Funds Transfer - Branch and Contact Centre | Transaction | $3.00 | | Establishment Fee - Overdraft Limit Under $20,000 — Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. | Upfront | $500.00 | | Establishment Fee - Increase to existing limit — Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. | Upfront | $400.00 | | Overdraft Service Fee – Overdraft Limit between $100,001 - $250,000 — Charged monthly | Ongoing | $30.00 | | Overdraft Service Fee - Overdraft Limit Greater than $250,000 — Charged monthly | Ongoing | $50.00 | | Arrears Fees - Default Notice Fee — If you don’t make your payment after a period of time in arrears, you will be issued with a default notice. | Event | $40.00 | | Arrears Fees - 2nd and Subsequent Reminder Letter Fee — Applies when you exceed your Overdraft Limit. | Event | $20.00 | | Card Fee — Charged every 3 months | Ongoing | $6.00 | | Account Service Fee — Charged monthly · Discount −$10.00 — Account Service Fee Exemption Business (eligibility: Other: Eligibility criteria applicable on Business Access Accounts; Minimum Deposit/Lending balance of $20,000 held within the membership) | Ongoing | $10.00 | | Establishment Fee - Overdraft Limit Greater than $250,000 — Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. | Upfront | $1,000.00 | | Establishment Fee – Overdraft Limit between $100,001 - $250,000 — Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. | Upfront | $800.00 | ## Features - **Digital wallet** — Apple Pay - **PayID** (An account of this product type can be used as the target of an NPP PayID. Osko by BPAY available) - **Digital banking** (Access is available to online banking features for the product.) - **Account Sweep Available Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance.** - **Additional cards** - **Notifications** — Notification via email, SMS or secure message in online banking. (SMS and/or email notifications available.) - **Card access** — A Visa Debit payWave card is available for the product to access funds. - **Bill payment (BPAY)** — BPAY available - **Digital wallet** — Google Pay - **Real-time payments (NPP)** (An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment. Osko by BPAY available) ## Eligibility - **Minimum age** — 18 years - **Credit history - all borrowers, owners, directors and guarantors must have clear credit records. All statutory payments and ATO liabilities need to be up to date and not under arrangement** - **Residency status** — Individuals must be citizens or permanent residents of Australia. - **Security: Business Overdrafts will require security in the form of residential property, commercial property, or other types of security. A guarantee will also be required by company directors for corporate borrowers.** - **You will need to become a member of the Credit Union before The Capricornian can accept a loan application.** ## More information from The Capricornian - [Overview](https://www.capricornian.com.au/business/business-banking/) - [Terms & conditions](https://www.capricornian.com.au/conditions-of-use/) - [Fees & pricing](https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/) ## Data provenance - Published by The Capricornian under the Consumer Data Right - Product ID: `b441353b-3897-437f-a0da-4ad6f7ae9ea3` - Last updated by the provider: 17 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/the-capricornian/b441353b-3897-437f-a0da-4ad6f7ae9ea3 - Provider page: https://www.cdrcompare.au/brands/the-capricornian - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000183 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/the-capricornian/products/b441353b-3897-437f-a0da-4ad6f7ae9ea3) — 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. Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)