Tertiary student package

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

Apply See rates and fees

Be in to win the opportunity to design what SACHI wears onstage at Bay Dreams 2018, plus $2,000 cash to kickstart your career.

Get creative, get an ASB account, and enter.

Find out more

Competition terms and conditions and eligibility criteria apply.

Benefits at a glance

  • Keep your bank in your pocket. The ASB Mobile app lets you take a sneak peek at your balance before you buy, or pay people on the go.
  • Get free fries daily when you hit McDonald's® on your ASB Visa Debit card.
  • Help when you need it with a Visa Light credit card, personal loan or, while you're studying, an interest-free overdraft between $500-$2,000.
  • Pay no monthly base fee or transaction fees for your day-to-day banking.

Is it right for me?


If you're studying at an NZQA Tertiary institution (for at least one semester) you're in for an ASB Tertiary account. You keep your ASB Tertiary package and its benefits until you graduate or leave.


If you're learning a trade at an institution like BCITO we'd love to hear from you. Your ASB Tertiary package and its benefits will apply until your apprenticeship is done.


We've got you covered when you graduate. Move to our Graduate account so you can hit the ground running. We'll change your account over for you when the time comes. The Graduate account has different rates and fees.

Rates & benefits

Monthly base fee

Transaction fees

Overdraft from $500 to $2,000

Life-hacks for your banking

Need a little extra? Here are some options to think about

Interest-free overdraft

Gives you a safety-net when those unexpected expenses come in. Go in and out of overdraft at any time, up to your agreed limit.

Personal loan

Need something too big for a credit card, like a car? A personal loan lets you buy something and pay it off over time. With your Tertiary package, you could get a personal loan at a special interest rate.

Tips to get you from high school to the school of life

Get more with ASB

Bank online. Anytime.

Pulling an all-nighter? Or starting at the crack of dawn? Whatever your schedule, you can bank online when it suits you with FastNet Classic internet banking. Pay bills, set up automatic payments, order foreign exchange and more.

Need a boost with your saving goals?

Take the discipline out of saving with Save the Change. This handy tool automatically rounds up electronic transitions to the nearest denomination of your choice. The difference goes into your savings account. Save without trying!

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 end of your period of study you will move to a standard account and a standard overdraft. This means our standard rates and fees will apply. To apply for credit you must be 18 years or older, a New Zealand resident or citizen and for your overdraft, your income must be credited to the ASB Tertiary account. Rates and fees may change and 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). Please refer to our fees page. For ASB Visa Light, rates, fees and more details on the Smart Rate purchase feature see asb.co.nz/light. Free small fries when you use your Tertiary Visa Debit card to buy something at McDonalds. Limit of one free small fries per person per day. Available after 10:30am. Offer subject to change.

Bank AccountsASB tertiary account