Overdrafts

SmartCash is the Queenslanders overdraft facility. It’s a flexible line of credit that can be used to pay bills, cover unexpected expenses or simply enjoy life – the choice is yours.

Link SmartCash to your transaction account and you have back-up funds when your  balance gets low. Plus, unlike a loan or credit card, there are no minimum monthly repayments – you need only to keep the facility within its approved limit.

  • A competitive rate of interest – starting from 11.20%p.a.
  • Amounts of $500 to $30,000 are available – depending on serviceability and other conditions
  • Link a Visa Debit card
  • Pay your bills via BPay
  • Access your cash through ATMs and EFTPOS
  • Add a cheque book
  • Access your account via Phone Banking or Internet Banking
  • Transact on your account over the counter at any Queenslanders Credit Union branch

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Terms, conditions, fees and charges as well as our standard lending criteria apply. Full details are available on request. Interest rates current as at 15 June 2023 and subject to change.