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Studying and starting out

Whether you're finishing school or starting your first job, we have a range of packages designed to help you with that next step.

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Get on the right account for your next step

Tertiary student package

A package for students and apprentices, with no base or transaction fees, free small fries from McDonald’s® and more. Find out more

Apply online

Job starter's package

If you're 18-20 and are starting work, this package is for you. You don't need to have found a job yet. No base or transaction fees for two years. Find out more

Apply online

Graduate package

We've got you covered when you graduate. We'll change your account over for you when the time comes. No base or transaction fees for two years. Find out more

Apply online

Streamline Introduction package

Can't decide? Start banking with a Streamline Introduction package and you could enjoy no transaction fees and a Visa Debit card with no card fee for six months. Find out more

Apply online

Get more with ASB

1. Pay your way

Use Apple Pay and Google PayTM in stores or online with any compatible device. It's fast, secure and easy! Go contactless with other simple ways to pay, like Fitbit PayTM.

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.

4. 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.

Guides to get you there

We're here to help you

ASB's terms, conditions and eligibility criteria apply. Rates and fees may change. Refer to asb.co.nz for other fees and charges. 

Tertiary account
At end of period of study you will move to either a Graduate or Job starter's account depending on your circumstances and the rates and fees applicable to that account will apply. To apply for credit you must be 18 years or older, a New Zealand resident or citizen and for an overdraft, your income must be credited to the ASB Tertiary account. Other fees may apply. If eligible, the zero-interest overdraft is only available for the period you have the ASB Tertiary or ASB Graduate account. After this our standard unsecured overdraft interest rate will apply. A monthly overdraft facility fee of 0.12% of the limit and highest daily overdraft balance, whichever is greater (minimum charge $2) applies. Please refer to our overdraft rates and fees page for details. For ASB Visa Light, rates fees and more details on the Smart Rate purchase feature see asb.co.nz/light. Lending criteria applies. *One free small fries daily with a purchase made at McDonald's® with an eligible ASB Visa Debit card. Excludes McDelivery®. Available after 10:30am. Offer subject to change.

Job starter's account
After two years you will move to a standard account and standard rates and fees will apply. See asb.co.nz/jobstarter for details. Only persons 18 years or older who are NZ residents or citizens can apply for credit, and your income must be credited to the ASB Job starter's account. After one year, the standard credit card account fee will apply. Please refer to our fees page for our standard fees.

Graduate account
ASB's terms and lending criteria apply. After two years you will move to a standard account and standard rates and fees will apply. See asb.co.nz/graduate for details. Other fees apply including a monthly overdraft facility fee of 0.12% of the limit and highest daily overdraft balance, whichever is greater (minimum charge $2). Only persons 18 years or older who are NZ residents or citizens can apply for credit. If eligible, a zero-interest overdraft is only available for the period you have a Graduate account and income must be credited to this account. After this our standard unsecured overdraft interest rate will apply. See our overdrafts web page for more information. After one year the standard credit card account fee will apply for Visa Rewards. Please refer to our fees page.

Streamline Introduction package
After six months the standard Streamline fees and charges will apply. No Visa Debit card fee for six months from date of issue. After this the standard fee will apply. See the Streamline Introduction package page for details.

ASB KiwiSaver Scheme
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).

Insurance
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.

Contactless payments
Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible devices, see support.apple.com. Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Please refer to ASB Apple Pay Terms and Conditions.

Android and Google Pay are trademarks of Google LLC. For more information please visit the Google Pay support page. Please refer to Google Pay with ASB Pay Terms and Conditions.

Bank AccountsStudying and starting out