Tertiary student package

Make student life easier with an interest-free overdraft of up to $2000, an account with no transaction fees and free fries when you use your ASB Visa Debit card at McDonald’s®

Apply online

Benefits at a glance

  • Apply for an interest-free overdraft of $1000 the first year of your Tertiary account and $2000 for subsequent years with your ASB Tertiary account
  • Get free fries any time you use your ASB Tertiary Visa Debit card to buy something at McDonald’s®
  • Apply for an ASB credit card with a $1000 limit and no account fee for a year
  • No base or transaction fees
  • Ask about our special personal loan rates
Play video icon

Interest rates & fees

Overdraft up to $2,000

Overdraft up to $1000 (first year of your ASB Tertiary account)
Overdraft up to $2000 (subsequent years of your ASB Tertiary account)

p.a. interest

Base fees

Transaction fees

Is it right for me?

You can ask for a tertiary account if you're studying at an NZQA Tertiary institution for a minimum of one semester, or if you're an apprentice at an institution like BCITO. The tertiary account and its benefits can last for the length of your study or apprenticeship.

After you graduate, you can move to our Graduate account so you can hit the ground running. We'll get in touch with you when this happens and change your account for you (the Graduate package rates and fees will apply).

Helpful guides

Apply for an ASB package

Apply online

Apply online if you’re a Tertiary student or apprentice and we’ll get you up and running as soon as possible.

Apply online

Call us

We’re here to take your call 24 hours a day.

0800 803 804

Visit a branch

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

Find a branch

Get more with ASB

Bank when it suits you

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.

Put away money as you spend

Achieve your savings goal sooner with Save the Change. You can round up electronic transactions you make to the nearest dollar and the change goes into another account. You'll be surprised how quickly it can add up.

Shop with your mobile phone

ASB PayTag is a Visa payWave sticker that attaches to your mobile phone, turning your phone into a contactless Visa credit or debit card. It’s really convenient.

ASB's terms and lending criteria apply. You must be 18 years or older to apply for credit. 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). After one year the standard credit card account fee will apply. Please refer to our fees page. Free small fries with any purchase at McDonald's. Limit one small fries per person per day. Available after 10:30am. Offer subject to change. For credit products you must be a New Zealand resident or citizen and for your overdraft, your income must be credited to the ASB Tertiary account.

Bank AccountsASB Tertiary Account