Job starter's package

Are you 18 to 20 and done with school? Are you ready to kick off your new job? The ASB Job starter’s package can help set your new life in motion.

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Perks of the package

No base or transaction fees for two years

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


Apply for an ASB Visa credit card, if you need it

You could apply for a Visa Light with no account fee ever or a Visa Rewards with no account fee in your first year.

Buy online using your own money with a Visa Debit

A Visa Debit uses your own money instead of credit, but otherwise works just like a credit card. You can use it for payWave and online shopping, and with an ASB Job starter’s package you pay no Visa Debit card fees for two years. 

Is it right for me?

Welcome to the next exciting chapter in your life.

Now that school is done and you’re on the path to independence, you have so many options! 

If you’re 18-20 and are starting work, the Job starter’s package could be for you. It saves you fees and even interest for your first two years of working.

After the two years, we’ll move you onto a Streamline account with standard rates and fees. 

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 job starters might have

  • Can I switch to a Job starter's account from my current bank?

    Moving banks might seem a bit overwhelming but it's never been simpler to switch to ASB. When you apply for your Job starter's account, you’ll get a dedicated Personal Switcher who’ll manage everything for you. 

  • Do I need to prove I’ve started a job?

    No. You just need to be between the ages of 18-20 and have your pay credited to your new Job starter's account. If you’re studying at a college or university, or you’re in an apprenticeship, our Tertiary student package could be for you. 

    If you have a Tertiary account but haven’t had a chance to show us your proof of study, we’ll move you to a Job starter's account after a year. We’ll let you know before this happens.

  • How long will I have this account for, and what happens then?

    You'll have the Job starter's account and all its benefits for two years. We'll then switch you to a Streamline account. It happens automatically, so you don't need to do anything. We'll let you know before we make the change.

  • What's an overdraft and how can I get one?

    An overdraft is a loan with an agreed limit that you can use any time and pay off at your own pace, as long as you keep within its agreed limit. To find out more about overdrafts, how to get one and how to manage them, visit our Overdrafts page.

  • Which Visa card do most job starters get? How can I get one?

    You can choose from three of our Visa cards. 

    The most popular credit card with Job starter's customers is the 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 on your spending, 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 for job starters.

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

    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 Tertiary student package is for students who are studying at a New Zealand tertiary institution or completing their apprenticeship. The ASB Graduate package is designed to give anyone who’s just finished their tertiary studies or apprenticeship a helping hand in their next chapter - starting work.

  • How do I set up automatic payments on my Job starter's account?

    Starting work usually means starting to pay board, rent and bills as well. It's easy to set up automatic payments in the ASB Mobile Banking app or in FastNet Classic internet banking. They're free to set up, and you can have as many as you like. 

You might also be interested in

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Getting help with saving

Putting money aside now gives you a lot more options down the track. Start achieving your goals with a savings plan.

Investing for beginners

Ever wondered what investing is all about? Find out more about starting out in investing and explore our options.

Apply for a Job starter's 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. Only persons 18 years or older who are NZ residents or citizens can apply for credit. No ASB Visa Rewards credit card account fee for a year. After this standard fees will apply. No ASB Visa Debit card fee for two years. After this standard fees will apply. 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 fees page for our standard fees.

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 Job starter’s account