Get your career off to a great start with a bank account designed with Graduates in mind.
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 package is full of perks to help with your next chapter.
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.
Access your own money anywhere with a Visa Debit card. Or, you could apply for a Visa Light with no account fee ever or a Visa Rewards with no account fee in your first year as a grad.
Throw down a safety net for yourself with a zero-interest overdraft for the two years you have the Graduate account - your just-in-case buffer of up to $2,000.
Note: a monthly facility fee will apply.
You may be eligible for a special unsecured interest rate at 11.95% per annum. This offer is only available on new personal loans. A processing fee of $99 may apply.
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.
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.
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.
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.
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.
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.
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.
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.
An overdraft is a loan, with an agreed limit that you can use any time, and pay off at your own pace provided that you always keep it within its agreed limit. To find out more about overdrafts, how you could get one and how to manage it, visit our Overdrafts page.
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.
You can choose from three of our Visa cards.
The most popular credit card with our other Graduate customers is ASB Visa Light. It’s a great choice, with a low interest rate on purchases, no account fee ever, and a special smart rate purchase feature as well.
If you want to earn True Rewards from your spending, you can go for an ASB Visa Rewards. Every dollar you spend earns you True Rewards Dollars, which you can spend at our partner stores.
Not keen on credit cards? Use your own money to make purchases online or with payWave, with an ASB Visa Debit card.
You can also explore other credit card options.
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.
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.
Curious about loans? Find out the important stuff on our different lending options and how you could borrow-clever.
Putting money aside now gives you a lot more options down the track. Start achieving your goals with a savings plan.
Ever wondered what investing is all about? Find out more about starting out in investing and explore ASB’s options.
Dreaming of getting into the property market? KiwiSaver could be your best option for saving.
ASB's terms, eligibility and lending criteria apply. Other fees apply including a monthly overdraft facility fee of 0.12% of the limit and highest daily overdraft balance, whichever is greater (minimum charge $2). Only persons 18 years or older can apply for credit. Rates and fees may change. Refer to asb.co.nz for other fees and charges If eligible, a zero-interest overdraft is only available for the period you have a Graduate account and income must be credited to this account. After this our standard unsecured overdraft interest rate will apply. See our web page for more information. For ASB Visa Light, rates fees and more details on the Smart Rate purchase feature see asb.co.nz/light. Fees and Card Conditions of Use apply. After one year the standard credit card account fee will apply for Visa Rewards. Please refer to our fees page.
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.
