Personal Overdraft

Personal Overdraft

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For when you need that little bit of extra cash.

Avoid the inconvenience of declined transactions and fees by getting access to Tonga Development Bank's Personal Overdraft. Get access to additional funds, it'll be there if you need.


  • Perfect for covering unexpected personal expenses or purchases
  • Cover the expense gaps until your next pay check comes in
  • Hassle-free way to get access to those few extra dollars in a timely fashion.
  • Low fees and rates.
Establishment fee
Loan up to $500$50
$501 - $1,000$75 
$1,001 - $5,000$100 
$5,001 - $20,000$300 
$20,001 - $50,000$600
$50,001 - $100,000$1,000
$100,001 and over1.0% per loan
Loan Administration Fees
0 - $4,999$30 per month
$5,000 - $14,999$40 per month
$15,000 - $49,000$50 per month
$50,000 - $99,000$60 per month
$100,000 - $499,999$70 per month
$500,000 - $999,999$100 per month
$1,000,000 and over$150 per month
Search Fee
Search Fee$30 one off
Documentation and Handling Fee
Documentation handling feeUp to $100 One off
Line Fee
Line Fee0.5% 2% per annum of Limit amount for amount OD $10 and over. This fee is charged half yearly in June and December.
Unapproved Excess Fee
Unapproved Excess Fee$15 charged on day excess occurs and monthly until account in order


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Tonga's Bank