Tertiary student package

A bank account with the extras you really want - like free fries.

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Finished with school and heading off to do more study? Exciting! Whether you're going to be studying at university, a polytechnic or doing an apprenticeship, the ASB Tertiary student package can help you with this next big step. 

ASB Extras

We've partnered with Niesh to make student life easier (and cheaper) with student discounts. Unlock ASB Extras on the Niesh app, to get your hands on these exclusive deals. Access to these deals are exclusive to ASB Tertiary account customers, so don't miss out!

Find out more

Perks of the package

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 and credit card if you need it

Get an ASB Visa Debit card or apply for an ASB Visa Light credit card with no account fee ever and a credit limit of up to $1,000.

Zero-interest overdraft

Throw down a safety net for yourself with a zero-interest overdraft for the life of your Tertiary account – your just-in-case buffer of up to $2,000.

Note: a monthly facility fee will apply.


Discounted personal loan rates

You may be eligible for special personal loan rates for the full term of your loan.


Is it right for me?

Students and Apprentices

If you're studying at an NZQA Tertiary institution (for at least one semester), an ASB Tertiary account may be right for you. You can keep your ASB Tertiary package and its benefits until you graduate or leave. If you're learning a trade at an institution like BCITO, your ASB Tertiary package and its benefits will apply until your apprenticeship is done.

You may have to pop in to an ASB Branch with some proof of study or apprenticeship, so we can set this up for you.

See our FAQs for accepted proof of study or apprenticeship.

  • Get free fries daily when you hit McDonald's® on your ASB Visa Debit card.*


We've got you covered when you graduate. Move to our Graduate package so you can hit the ground running. We'll change your account over for you when the time comes.

Skipping uni and going straight into the workforce?

If you're 18-20 and are starting work, the Job starter's package is for you. You don't need to have found a job yet, but when you do just have your pay credited to your new Job starter's account.

Get more with ASB

1. Pay your way

Use Apple Pay in stores or online with any compatible Apple device. Fast, secure and easy. Go contactless with other simple ways to pay, like Fitbit Pay and ASB Virtual.

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.

Borrowing options compared

If you're wanting to borrow money to pay for expenses, big or small, check out our guide to help you choose the best options for you.

Read more

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 Visa card can I get if I wanted one?

    You can choose from three of our Visa cards. The lowest cost option is an ASB Visa Light. It has a low interest rate on purchases, no account fee ever and a special Smart Rate purchase feature as well. If you want to earn True Rewards from your spending, you can go for an ASB Visa Rewards. Every dollar you spend earns you True Rewards Dollars, which you can spend at our partner stores.

    Not that keen on credit cards after all? You can always use your own money to make purchases online instead with an ASB Visa Debit card, or use PayWave when in store.

    Find out more about our credit card options.

  • 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's an overdraft and how can I get one?

    An overdraft is a loan, with an agreed limit that you can use any time, and pay off at your own pace provided that you always keep it within its agreed limit.

    As a Tertiary or Graduate customer (if you meet our lending and eligibility criteria), you may be able to apply for a zero-interest overdraft. Check FastNet Classic internet banking or the ASB Mobile app for the option to add an overdraft. If you're not already an ASB customer, or you'd like to speak to us, call 0800 803 804 or visit your nearest ASB branch.

    To find out more about ASB's overdrafts, visit our overdrafts page.

  • 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.

Tips to get you from high school to the school of 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

Call us

We're here to help.

0800 803 804

Visit a branch

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

Find a branch

ASB's terms, eligibility and lending criteria apply. At the expiry of your Tertiary account, you will be transferred to either a Graduate account or Job starter's account depending on your circumstances. 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 fries 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 asb.co.nz and the register of offers of financial products at business.govt.nz/disclose (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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