Graduate package

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

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Benefits at a glance

  • No transaction or base account fees for the two years you are on a Graduate account
  • You could be eligible for an interest free overdraft of up to $2,000, when you credit your income to your account
  • Apply for Visa Light with no account fee, ever. Or a new Visa Rewards with no account fee for a year
  • Apply for a personal loan at a special rate

Is it right for me?

After you graduate or finish your apprenticeship, a Graduate account can help you get to where you're going next. It's a two year package that has no transaction or base account fees, and you may be eligible for an interest free overdraft of up to $2,000 while you are on a Graduate account. You can also apply for a personal loan at a special rate or apply for Visa Light with no account fee, ever. Or a new Visa Rewards with no account fee for a year.

You can ask for a Graduate package if you've graduated from a NZQA tertiary institution or finished your apprenticeship in the last two years.

After two years we'll move you to a Streamline account (Streamline rates and fees will apply).

Interest rates & fee benefits

Overdraft of up to $2,000

Base fees

Transaction fees

Service charges apply
Monthly overdraft facility fee applies
See all our rates and fees

Get more with ASB

Bank when it suits you

Whether you’re a night owl or an early bird, you can do your everyday banking at any time with FastNet Classic online banking. Sign in and you can pay your bills, set up automatic payments, order foreign exchange and more. You can even apply for a home loan after hours.

Put away money as you spend

Achieve your savings goal sooner with Save the Change. You can round up electronic transactions you make to the nearest dollar and the change goes into another account. You'll be surprised how quickly it can add up.

Shop with your mobile phone

ASB PayTag is a Visa payWave sticker that attaches to your mobile phone, turning your phone into a contactless Visa credit or debit card. It’s really convenient.

Apply for a Graduate package

Apply online

If you're already an ASB customer, you can apply online.

Apply now

Call us

We’re here to help.

0800 803 804

Visit a branch

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

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Helpful guides

ASB's terms 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 who are NZ residents or citizens can apply for credit. Interest free overdraft available for period you are eligible for graduate account. After this standard rates will apply. See asb.co.nz for details. After one year the standard credit card account fee will apply for Visa Rewards. Please refer to our fees page. For credit products you must be a New Zealand resident or citizen and for your overdraft, your income must be credited to the ASB Graduate account.

Bank AccountsASB Graduate account