For most of us, it's hard to predict when we'll need a little extra money to cover unexpected expenses; and often those expenses happen at the same time as our usual bills or payments going out of your account. An ASB overdraft can help.
If you're a tertiary student or graduate, your overdraft (up to a maximum limit) is interest-free for a certain time. See our student and graduate packages for details.
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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 terms and lending criteria applies. Interest rates and fees may change.
