Graduate package

Get your career off to a great start with a bank account with an interest-free overdraft of up to $2000 and no base or transaction fees for two years.

Apply now

Benefits at a glance

  • Apply for an interest-free overdraft of up to $2,000 for two years
  • No base or transaction fees for two years
  • Apply for a credit card 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 with an optional interest-free overdraft of up to $2,000 and no base or transaction fees. You can also apply for a personal loan at a special rate or a credit card with no account fees 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 & fees

Overdraft of up to $2,000

p.a. interest

Base fees

Transaction 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 an Graduate package

Apply online

Apply online and we’ll get you up and running as soon as possible.

Apply online

Call us

We’re here to take your call 24 hours a day.

0800 803 804

Visit a branch

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

Find a branch

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). After one year the standard credit card account fee will apply. 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