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Add on an overdraft

Dental costs looming or travel plans on the horizon? Add on an overdraft to your YouChoose account to help manage those unexpected expenses or treat yourself moments.

Show me my overdraft limit

$

Please complete both frequency and income

You can apply for an
overdraft limit up to:
 
$

The minimum amount you can apply for is $500 and the maximum is $10,000.

Subject to credit check, lending criteria, rates, fees & terms.

Are you eligible?

If you tick all the boxes, then you could be eligible for an overdraft.

I’m a New Zealand citizen or permanent resident.

I earn a salary or wage.

My credit looks good – I haven’t had any unpaid defaults in the past five years.

What are you waiting for? Apply now.

Show me my overdraft limit

$

Please complete both frequency and income

You can apply for an
overdraft limit up to:
 
$

The minimum amount you can apply for is $500 and the maximum is $10,000.

Subject to credit check, lending criteria, rates, fees & terms.

Talk me through the process

Apply online

Applying online is easy and only takes minutes – if you already have a YouChoose account but don’t have an overdraft yet, get in touch to get started.

Upload your
documents

You might need to provide us with bank statements from the last three months’ or other documents to confirm your income and expenses.

Verify your
identity

Confirm you are who you say you are with our clever facial recognition technology.

Start spending

Once we’ve confirmed your identity and you’ve signed your overdraft agreement, your account will be opened and ready for you to start saving and spending as you please.

Talk me through the process

Apply online

Applying online is easy and only takes minutes – if you already have a YouChoose account but don’t have an overdraft yet, get in touch to get started.


Upload your documents

You might need to provide us with bank statements from the last three months’ or other documents to confirm your income and expenses.


Verify your identity

Confirm you are who you say you are with our clever facial recognition technology.


Start spending

Once we’ve confirmed your identity and you’ve signed your overdraft agreement, your account will be opened and ready for you to start saving and spending as you please.

Got questions?

Check out our full fee schedule, rates and terms.
YouChoose is a savings account with an optional overdraft – so you can choose whether you’d like to add on an overdraft or keep it just for savings. The overdraft is based on two months of your average income. However, you can choose to have a lower amount to a minimum of $500. The maximum is $10,000.
We’ll be in contact to let you know. You may be subject to what is called excess interest. If applicable, you will be charged interest at an excess interest rate on what you owe, over and above your overdraft limit. For full details see our T&Cs.

Have more questions? Check out our FAQs page.

Has our interest sparked yours?

Apply now

Has our interest sparked yours?

Apply now

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