Tertiary student package

Concentrate on getting ahead and get a bank account with the extras you really want - like free fries.

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Whether you're heading off to university, a polytechnic or to do an apprenticeship, the ASB Tertiary student package can help you with this next big step!

You just need to be studying at an NZQA Tertiary institution for at least one semester or learning a trade at an institution like BCITO. Keep the package and its benefits until you graduate or leave.

  • Free small fries at McDonald's®
    Get free fries* daily when you buy something at McDonald's® on your ASB Tertiary Visa Debit card. Simply show Macca's® your ASB Tertiary Visa Debit card and get free small fries with your order. 


No base or transaction fees for the lifetime of your account

Make the most of the Tertiary package's fee and rate savings with no transaction or base fees while you are on the Tertiary account.

Apply for a debit card if you need it

Access your own money anywhere with a Visa Debit card with no fees while you’re on an ASB Tertiary account.

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.

Tips to get you from high school to life

Apply for a Tertiary package today

Apply online

Get started today and apply online. You'll be good to go in no time.

Apply online

Visit a branch

Visit us at one of our many branches across New Zealand.

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Questions you might have

  • I'm a new customer. How easy is it to switch from my current bank?

    Switching bank accounts might seem a bit overwhelming but it's never been more simple to switch to ASB! We take care of the move. If you decide to switch some or all of your banking to ASB, all you have to do is apply for your chosen account and let us know you'd like to make the switch. We'll work with your current bank to arrange a smooth transition.

  • Do I need to prove that I'm a student or apprentice?

    Once you've opened your Tertiary account, the package lasts for one year without having to prove you study.

    Pop in to any ASB branch with accepted proof of study or apprenticeship (listed below) and you can keep your Tertiary account for three years, regardless of how long you're studying for.

    If you're new to ASB, you will need to come into one of our branches with your ID, so be sure to bring proof of study or apprenticeship along as well.

    Accepted proof of study includes any one of the following:

    1. 1. Letter or email of acceptance of study or apprenticeship
    2. 2. Current tertiary student ID
    3. 3. Receipt for your tertiary fees

    Accepted proof of an apprenticeship includes: 

    1. 1. Training agreement (signed by employer)
    2. 2. Employment contract (details of apprenticeship signed by employer) 
    3. 3. Letter from ITO or NZQA approved tertiary institution

    If you don't bring in proof of study, your account will switch over to a Job starter's package one year from the date you opened it.

    With proof of study, your account will switch over to a Graduate package after three years. If you’re continuing to study after three years, let us know. We may need you to come in with proof of study.


  • How long can I stay on the Tertiary package?

    You're eligible to stay on the Tertiary package for the full length of your study or apprenticeship. If you’re studying for longer than one year, make sure you bring in one of the accepted forms of study or apprenticeship to extend your account. If you’re studying for longer than three years, make sure you let the team know. You’ll have to pop in to a branch with proof of study.

  • What's the difference between the Tertiary, Graduate and Job starter's packages?

    The ASB Tertiary package is for students who are currently studying at any NZ tertiary institution or completing their apprenticeship. 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 Graduate package is designed to give anyone who's just finished their studies or apprenticeship a helping hand in their next chapter – starting work.

  • What happens to my interest-free overdraft at the end of my Tertiary student package?

    If you've had your Tertiary package for three years or longer and are graduating, you will be automatically transferred to a Graduate account which comes with its own unique benefits just for Graduates. This includes an interest-free overdraft for the two years you're on the Graduate account so your overdraft will continue to be interest-free for this period.

    If you've only been on the Tertiary package for a year and haven't brought in proof of study or apprenticeship, you'll be automatically transferred to a Job starter's account at the end of the year. Once this happens, your current Tertiary interest-free overdraft will no longer be interest-free and will start incurring ASB's standard interest charges.

    To find out more about overdrafts and costs that may be associated with them, visit our overdrafts page. See our rates and fees.

ASB's terms, eligibility and lending criteria apply.

At the end of your period of study you will move to either a Graduate or Job Starters account depending on your circumstances and the rates and fees applicable to those accounts will apply. Rates and fees may change. Refer to asb.co.nz for other fees and charges. No Visa Debit Card fee for period of study, after this time the standard fees will apply.

*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.

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.

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