BSP Cook Island | Planned Maintenance Please be advised that a planned maintenance has been scheduled for Sunday 19th of July, 2026 between 01:00am – 4:00am (Cook Island Time), During this time, All BSP CI Issued Cards used Online/Overseas/Locally & Internet Banking will be unavailable. Foreign Cards Services, BSP ATM/EFTPOS/IPG services will remain fully operational.We apologize for any inconvenience this may cause and thank you for your understanding.Notice
Business Overdraft

Spend extra money when you need it, up to your limit, without applying for a loan. The funds are available whenever you need them. And you only repay when you can.

About the Business Overdraft

This convenient and flexible service gives you instant access to extra funds within an approved limit. It’s for those times when customers pay late or unexpected expenses come up. You only have to repay the funds when your cash flow allows. This overdraft combines working capital with daily banking, so you have everything in one account.

Rates & Fees

Apply at your local BSP branch

How to Apply

Apply In Branch

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What You’ll Need

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Rates and Fees

Please see Interest Rates for more information.

Forms and Documents

Business Overdraft Application Form

If you’re applying from a rural area, contact your local BSP branch for guidance, or use our online enquiry form for help.