For most of us, it's hard to predict when we'll need a little extra money to cover unexpected expenses. An ASB overdraft can help.
If you have a Tertiary or Graduate account you may be eligible for an interest-free overdraft, provided your income is coming into your account. You don't need to apply, if you qualify the overdraft will be available via FastNet Classic internet banking or the Mobile App.
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Interest rates
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Secured
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Unsecured/partially secured
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Unarranged
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Establishment fees
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Standard fee, including for temporary limits
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Tertiary and Graduate
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The greater of 0.12% of the overdraft limit and 0.12% of the highest daily overdrawn balance (minimum charge $2).
0.12% of the highest daily overdrawn balance (minimum charge $10).
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.
We’re there wherever you need us with the ASB Mobile app. Check your balance while waiting for a bus, move money between your accounts while you’re shopping, or pay a friend for lunch using just their mobile number.
Life is so busy these days it’s easy to forget that your everyday account is starting to run short or that your automatic payment will fail because there are not enough funds in your account. Set up alerts and we’ll TXT or email you beforehand so you won’t get caught out again.
We’re here to help.
0800 803 804
An everyday account for those who enjoy the flexibility to bank how they like – electronically or at a branch.
A simple everyday account for those who like to bank how they like and earn interest on credit balances.
With an ASB Visa Debit you use your own money to shop online, over the phone, overseas or within New Zealand anywhere Visa credit cards are accepted.
ASB's lending criteria and terms apply. Rates and fees may change. Overdraft establishment fee of $25 will apply. Refer to asb.co.nz for other fees and charges.
For Tertiary account: Income must be credited to the Tertiary account. Only persons 18 years or older who are NZ residents or citizens can apply for credit. Interest free overdraft is available for period of study. After this, standard interest rates and fees will apply.
For Graduate account: A monthly overdraft facility fee applies. Income must be credited to the ASB account. Only persons 18 years or older who are NZ residents or citizens can apply for credit. Interest free overdraft is available for up to two years. After this standard interest rates will apply.
