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.
You could apply for a Visa Light with no account fee ever or a Visa Rewards with no account fee in your first year.
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.
You may be eligible for a special unsecured interest rate at 14.95% per annum. This offer is only available on new personal loans. A processing fee of $99 may apply.
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 is 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.
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.
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.
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 is 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.
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.
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.
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.
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.
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.
Curious about loans? Find out the important stuff on our different lending options and tips on borrowing right.
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 our options.
Dreaming of getting into the property market? KiwiSaver could be your best option for saving.
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.
