Bank accounts

Everyday banking made easy with zero monthly account and transaction fees and a range of digital banking tools.

Choose your account

Everyday banking accounts

We have a range of personal accounts with zero monthly account and transaction fees to suit your banking needs and stage in life. Together with FastNet Classic internet banking and ASB's Mobile Banking app, you can bank anywhere, any time. 

  • If you're wanting a joint account, the best option is to come and see us in branch.
  • Already an ASB customer? Great! You can change or apply for new accounts through internet banking, just log in at the top right hand corner.

Small steps can help you achieve your goals

Discover tools and services to help you take small steps to reach your money goals.

Visit MoneySpace

ASB ID app

If you're new to ASB, or we've asked for proof of ID, you can now use our ASB ID app. It reads your current eligible e-passport (or New Zealand driver licence if you don't have an e-passport), takes a scan of your face selfie-style, and could save you a trip to a branch.

Find out more

The road to zero fees starts here

ASB Visa Debit and ASB Visa Debit for Business now have $0 annual card fees. Paired with our $0 monthly fees on everyday personal and business accounts, we’ve got your everyday banking covered to help get you one step ahead.

Already an ASB customer? You can request an ASB Visa Debit or ASB Visa Debit for Business in FastNet Classic or the ASB Mobile app.

Find out more

Choose the right everyday account


Open an all-in-one Headstart account for those under 18 years old. It earns interest and has no transaction or monthly account fees.

Get started

Everyday bank account

Our Streamline account is an everyday bank account with no monthly base or transaction fees and an everyday ASB Visa Debit card – great for those who like to bank on the go.

Apply online


Looking to add a savings account as part of your everyday banking?

Apply online

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

Need a savings account?

Savings On Call

A savings account where your money's on call, giving you access to your savings, while still earning interest.

Find out more

Savings Plus

A savings account that rewards you for limiting your withdrawals - great for those who are saving for the long term.

Find out more

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

Banking that suits you

Joining is easy

Join ASB online! If you need more help with moving payments to your new ASB bank account, our switching team can help get you set up.

Cards for everyday banking

Whether you need an EFTPOS card, an ASB Visa Debit card or an ASB Visa Credit card, we've got a range of cards to suit whatever age and stage you're at. 

Banking at your fingertips

Open accounts, check balances, transfer funds or make payments anytime with FastNet Classic internet banking and the ASB Mobile app.

More ways to pay

If you don't like carrying cash or cards, you can also pay for purchases using the ASB Mobile app, Fitbit Pay or Garmin Pay.


Track your spending

See the trends in your spending and gain visibility of your money in and out with Spend Tracker.

ASB’s lending criteria, terms and eligibility criteria apply.

Joining ASB is as easy as 1-2-3

1. Start

Joining has never been easier. Get things started and open an everyday account online in minutes.

2. Activate

Confirm your identity with the ASB ID app from anywhere. Or visit your local branch with acceptable ID and proof of your address.

3. Set up

We'll set you up with FastNet Classic internet banking. You can then download the ASB Mobile Banking app to bank on the go.

Starting out and ready to level up?

Level up and live life one step ahead.

Getting ahead starts with getting on top of money stuff. We've got the tools and advice to help you every step of the way. And we'll help you get the most out of them, so you can smash goals, set up good habits, save, and spend with confidence.

Find out more

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Moving to New Zealand

ASB is one of the New Zealand's largest banks and provides help to open accounts before your move.

Starting a business

Do you want to be your own boss? We have the business expertise and products to get you off to a great start.

Need help?

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

We're here to help you

ASB Bank Limited's terms and customer eligibility apply. Available on standard arrangements only. Fees may change. Refer to asb.co.nz for other fees and charges, including monthly overdraft fees.

Savings Plus

Balances above $2 million earn base interest only. See asb.co.nz/savingsplus for details.

ASBBank Accounts