Graduate package

Get your career off to a great start with a bank account designed with graduates in mind.

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Finished the hard yards of getting qualified? Congrats! Whether you’ve found a graduate job or are busy searching for that exciting new work opportunity, the ASB Graduate account is here to help you with your next chapter.


No base or transaction fees for two years

Make the most of the Graduate package's fee and rate savings with no transaction or base fees for the two years you are on the Graduate account.

Apply for a debit card if you need it

Access your own money anywhere with a Visa Debit card.

Is it right for me?

You've done the hard work getting your qualification. Now it's time to dive into your next exciting chapter. The ASB Graduate package is designed to help you to get ahead with your money, for your first two years of working. After this period, we'll move you to a Streamline account where standard rates and fees will apply.

You can switch from any bank or from your ASB Tertiary package, as long it's been less than two years since you completed your apprenticeship or graduated from an NZQA tertiary institution.

Get more with ASB

1. Pay your way

Use Apple Pay in stores or online with any compatible Apple device. Fast, secure and easy. Go contactless with other simple ways to pay, like Fitbit Pay and ASB Virtual.

2. Online banking

Up late? Starting at the crack of dawn? Bank online when it suits you with FastNet Classic internet banking. Or on the go with the ASB Mobile Banking app. Keep your money safe with features like Card Control where you can lock your card if you misplace it, change the PIN and more.

3. Saving for a goal

Start saving for your goals with a savings account. Boost your savings with Save the Change, the modern-day automated piggy bank. Check out these savings tips and make the most of ASB’s tools.

3. Protect and grow

Protect yourself and the things most important to you. Our car and contents insurance may come in handy, especially if you've moved out of home and into a flat. Set yourself up for your big future with the ASB KiwiSaver Scheme.

Questions you might have

  • I’m a new customer. How easy is it to switch from my current bank?

    Switching bank accounts might seem a bit overwhelming but it’s never been more simple to switch to ASB! Once you apply for your chosen account, you’ll get a dedicated Personal Switcher who’ll manage everything for you. 

  • Do I need to have graduated from a university and how long after this am I eligible for the Graduate account?

    To be eligible for the Graduate account you either need to have graduated from an NZ tertiary institution or have completed your apprenticeship. You can open a Graduate account any time up to two years after you graduate or complete your apprenticeship.

  • How do I provide proof of graduation or apprentice completion?

    Graduates, you’ll need a copy of your qualification (Degree/Diploma) i.e. Certificate or official transcript of academic record or written confirmation from your tertiary institution confirming you have successfully completed your qualification. 

    Qualified apprentices, you’ll need proof of trade registration or written confirmation from your employer, ITO or tertiary institution confirming successful completion of your apprenticeship. 

    Existing customers, if you’ve been on an ASB Tertiary account for 3 years or more, you’ll get automatically moved to a Graduate account unless you’re still studying and want to renew your Tertiary account. 

  • What happens to my interest-free overdraft after 2 years of being on the Graduate account?

    Once you’ve been on the Graduate account for 2 years, you will automatically be transferred to a Streamline account and your overdraft will incur interest at our standard unsecured overdraft interest rate. To find out more about overdrafts and costs that may be associated with them, visit our Overdrafts page. See our rates and fees.

  • What's the difference between the Graduate, Tertiary and Job starter's packages?

    The ASB Tertiary package is for students who are currently studying at any NZ tertiary institution or completing their apprenticeship. The ASB Job starter's package is specially designed for 18-20 year olds who are planning to go straight into the workforce after school, or have already started working. The ASB Graduate package is designed to give anyone who's just finished their studies or apprenticeship a helping hand in their next chapter - starting work.

  • How can I complete automatic payments on my Graduate account and are there costs?

    Now that you’ve graduated, you might be starting to pay bills - you can do this easily by setting up automatic payments in the ASB mobile app or FastNet Classic and it’s free! Find out how to set up automatic payments.

Apply for a Graduate package

Apply online

Get started today and apply online. You'll be good to go in no time.

Apply online

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0800 803 804

Visit a branch

Visit us at one of our many branches across New Zealand.

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ASB's terms, eligibility and lending criteria apply.

After two years you will move to a standard account and standard rates and fees will apply. Rates and fees may change. Refer to asb.co.nz for other fees and charges.

Interests in the ASB KiwiSaver Scheme (Scheme) are issued by ASB Group Investments Limited, a wholly owned subsidiary of ASB Bank Limited (ASB). ASB provides Scheme administration and distribution services. No person guarantees interests in the Scheme. Interests in the Scheme are not deposits or other liabilities of ASB. They are subject to investment risk, including possible loss of income and principal invested. For more information see the ASB KiwiSaver Scheme Product Disclosure Statement available from this website and the register of offers of financial products at www.disclose-register.companiesoffice.govt.nz (search for ASB KiwiSaver Scheme).

The availability of insurance cover is subject to your application being approved. Terms, conditions and exclusions apply. For full details, refer to the relevant policy document which is available from ASB Bank Limited. This insurance is underwritten by IAG New Zealand Limited (IAG). See further information regarding IAG's financial strength rating.

Bank AccountsASB Graduate account