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Personal Finance > Personal loans > View our personal overdraft products > Personal overdraft rates, fees & charges

Personal overdraft rates, fees & charges
 

NAB personal overdrafts could help to minimise fees if you overdraw on your account.  For a low Half Yearly Line Fee, and in some cases an application fee, you can enjoy the safety net of having extra money when your account is overdrawn.

 What you need to know about fees

Where applicable, there is a Half Yearly Line Fee and in some cases an Application Fee.
  Personal Overdraft

Overdraft Protection
Application Fee

Nil - $40,000 and below. 

For details of application fees for amounts over $40,000, view our Guide to Fees & Charges.

Nil
Half Yearly Line Fee

Tiered scale.  Fees are based on higher of approved limit or debit balance and is debited to account March and September.

Limit  Fee each Half Year
Up to $1,000  

$35
$1,000 - $2,000 

$50
$2,001 - $5,000

$60
$5,001 - $10,000 

$70
$10,001 - $20,000 

$80 
$20,001 - $30,000

$140 
$30,001 - $40,000

$190
For details of the Half yearly line fee for amounts over $40,000, view our Guide to Fees & Charges.

Nil

   
   
   
   
   
   
   
   
More information? Download the current Guide to Fees & Charges Download the current Guide to Fees & Charges

 Interest type

With a personal overdraft you pay a competitive variable rate on the amount of your overdraft that you use.  Interest is calculated daily and charged monthly.  Interest is only charged on the amount owing on your overdraft.
  Personal Overdraft Overdraft Protection
Interest type

Variable

 Variable
Interest rate

Personal Lending Base Rate, plus 4% pa

Personal Lending Base Rate, plus 4% pa

   
More information? View Personal Lending Base Rate View Personal Lending Base Rate

Terms and conditions available on application.  Fees and charges are payable.  Subject to NAB credit assessment criteria.