Note: ASB no longer offers Personal Unsecured Overdrafts from 24 November 2025
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Unsecured
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Unarranged Personal
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Unarranged Business
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Graduate ($200 - $2,000)
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Tertiary ($200 - $2,000)
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ASB will no longer offer Unsecured Overdrafts from 24 November 2025.
Applies to the following Personal accounts: Streamline, Job Starter, Orbit Home Loan, Orbit Fastrack, HomePlus, Bursary Cheque, Everyday, Flexible Finance Facility, Personal Omni, Omni, Student Cheque, Transaction, Tertiary, Graduate & Unlimited.
The 0% interest on Tertiary and Graduate overdrafts apply for eligible customers and only for the period the customer qualifies for an ASB Tertiary or Graduate account. After this time, our standard unsecured overdraft interest rate will apply.
Fees |
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Establishment Fees: Standard fee, including for temporary limits
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Establishment Fees: Tertiary and Graduate
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Monthly unarranged overdraft fee
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$3 |
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 may fail because there aren't enough funds in your account. Set up alerts and we'll send you emails, and/or notifications through the ASB Mobile Banking app so you won't get caught out again.
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.
A great first credit card for getting started with some flex with your money, enjoy no fees and our lowest interest rate.
ASB's lending criteria and terms apply. Rates and fees may change. Refer to asb.co.nz for other fees and charges.