Control your business cashflow
No compulsory monthly repayments
For cash or purchases for the business

A commercial overdraft provides greater control over cash-flow and is designed to help you manage your day-to-day finances. With funds always available for unexpected expenses, commercial overdrafts are great for paying bills, making purchases, and also withdrawing cash for business expenses.

The repayments are completely flexible. There are no mandatory monthly repayments... you simply pay as little or as much as you like as long as the overdraft remains below the credit limit.


Our commercial overdraft options are great if you:

  • Want greater control and flexibility of your day-to-day finances
  • Want an account that has the ability to cover expected and unexpected expenses as well as cashflow shortfalls.
  • Want an account that allows you to operate in debit when required up to an agreed limit


  • Options available for secured, residential security and unsecured overdrafts
  • Flexible repayments – there are no mandatory monthly repayments and you can pay as much or as little as you like as long as the overdraft remains below the credit limit
  • Ability to pay bills or make purchases and withdraw cash
  • Rates negotiable on application - talk to your Local Manager

Rates and Fees


Negotiable on application.

View our Business Interest Rate Schedule for standard rates.

Establishment fee Price on application
Document fees Price on application
Loan Maintenance fees Price on application
Toggle Item

The fine print

* This Interest Rate is applicable when residential mortgage security is taken. Terms and conditions apply and are available on request.

Tax File Number

Interest earned on all savings accounts must be declared for income tax purposes. If you do not provide us with your Tax File Number or Tax File Number Exemption or Australian Business Number (ABN), we must deduct tax at the highest personal income tax rate plus the Medicare Levy from your interest earned. You are not obliged to provide your Tax File Number or Tax File Number Exemption or ABN.

Business Definition

A business is defined as a body corporate or person involved in a commercial activity including a company, partnership or sole trader with an ABN, incorporated association or co-operative.

Important Information

If you wish to have both business and personal accounts with Queensland Country, these will need to be opened and operated separately. Members seeking the waiver of the Monthly Account Service Fee due to not-for-profit or charitable status will be required to provide relevant documentation.

Please be aware that interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable.

Normal lending criteria, terms and conditions apply and are available on request.

Before acquiring this product, the information above should be read in conjunction with the following documents to determine if this product is right for you: Financial Service Guide; Business Banking Brochure; Fees and Charges brochure; Account and Access Facility Conditions of Use; Visa Credit Card Conditions of Use and Business Interest Rates Schedule.