Overdraft
Get your Overdraft now or simply increase your existing limit online.

Sometimes you simply can’t avoid going over budget, and that’s when it helps to have an overdraft. It’s always there when you need it.
WHAT OUR OVERDRAFTS CAN DO FOR YOU
24/7 Access
Increase limit online
Pay as you go
No fuss
- You can apply for an Overdraft via Internet Banking
- Once approved, the Overdraft will be linked to the bank account your income is paid into
- You can increase or decrease your Overdraft limit, depending on your needs
- Your Overdraft can be insured for disability, retrenchment, dread disease or death
- No minimum monthly repayments are necessary, as the facility is topped up when your income is deposited into your account
- You only pay interest on the amount you’ve used during the month
- Monthly service fee: R69
- Monthly service fees only apply to Overdrafts over R500
- Once-off initiation fee: Up to R1207.50 (VAT included), depending on your Overdraft amount
- Personalised interest rate
- Sign into Internet Banking to change your Overdraft limit
- Navigate to Transact and select Manage to increase your limit
- Alternatively, you can change your limit at AutoPlus ATMs
*The overdraft facility isn’t available on AccessAccounts. You must be over 18 to apply.
*Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
- Open a transactional account* to access an overdraft
- You’ll need a minimum monthly income of R 8 000
- If you don’t bank with us, apply today:
- Call us on (010) 249 0134 or
- Visit your nearest branch
*The overdraft facility isn’t available on AccessAccounts. You must be over 18 to apply.
*Approval is subject to credit and Financial Intelligence Centre Act (FICA) requirements.
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How it works
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what it costs
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INCREASE YOUR LIMIT
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How to get it
- You can apply for an Overdraft via Internet Banking
- Once approved, the Overdraft will be linked to the bank account your income is paid into
- You can increase or decrease your Overdraft limit, depending on your needs
- Your Overdraft can be insured for disability, retrenchment, dread disease or death
- No minimum monthly repayments are necessary, as the facility is topped up when your income is deposited into your account
- You only pay interest on the amount you’ve used during the month
- Monthly service fee: R69
- Monthly service fees only apply to Overdrafts over R500
- Once-off initiation fee: Up to R1207.50 (VAT included), depending on your Overdraft amount
- Personalised interest rate
- Sign into Internet Banking to change your Overdraft limit
- Navigate to Transact and select Manage to increase your limit
- Alternatively, you can change your limit at AutoPlus ATMs
*The overdraft facility isn’t available on AccessAccounts. You must be over 18 to apply.
*Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
- Open a transactional account* to access an overdraft
- You’ll need a minimum monthly income of R 8 000
- If you don’t bank with us, apply today:
- Call us on (010) 249 0134 or
- Visit your nearest branch
*The overdraft facility isn’t available on AccessAccounts. You must be over 18 to apply.
*Approval is subject to credit and Financial Intelligence Centre Act (FICA) requirements.
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