It helps to have an overdraft on your current account. It’s always there when you need it. Life is something you can plan for, but never predict. Things break and need to be repaired or replaced. Friends and family come to you for help. Sometimes you simply can’t avoid going over budget.

Apply for an overdraft or change your limit

Send us your details and we'll call you within the next five business hours

  • Instant access to extra money when you need it (your overdraft is always available)
  • Pay interest only on the amount you’ve used during the month
  • Your interest rate is linked to prime, saving you money when the prime rate drops
  • With your income paid straight into your account, there are no minimum monthly repayments
  • Pay no initiation or monthly service fees if your overdraft limit is only R 500
  • Change your limit at AutoPlus ATMs, in-branch, over the phone or via online banking
  • Your overdraft can be insured, so whatever’s owed can be settled in the event of disability, dread disease or death
  • You earn at least R 8 000 per month*
  • You’re over 21
  • You’re a South African citizen or have permanent residence
  • You already have or you’re busy opening an account with us (other than an AccessAccount)
*Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
  • You’ll only pay a once-off initiation fee and a monthly service fee for overdrafts over R 500
  • Fees are regulated by the National Credit Act and won’t ever exceed the limits set by the Act

If you’d like to get an overdraft facility or change your current overdraft limit, you can apply online or:

  • Go to any AutoPlus ATM, select ‘Other transactions’, go to ‘Loans/Overdraft’ and select ‘Overdraft’ (for new applications, choose ‘Increase’)
  • Login through online or cellphone banking, select ‘Overdraft’ and enter the amount you want
  • SMS ‘Overdraft’ to 31645 and we’ll phone you within five business hours
  • Visit your nearest branch