Know your spending
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Understand where your money is going
Use Spend Tracker to stay on top of your money. Spend Tracker automatically categorises your spending and tracks if you’re spending more or less over time. Find Spend Tracker in the ASB Mobile Banking app. -
Cancel unwanted subscriptions
Card Tracker lets you check who has your ASB credit or debit card details saved, and what subscriptions are connected to your cards. Once you’ve worked out what you don’t need, you can contact the provider directly to cancel their services.
Optimise your accounts
Review your plans
Look through your power, phone and internet providers and make sure you’re on the best plan or deal. You could look at what other providers are offering too.
Organise accounts
Create different accounts for specific purposes (like bills, everyday expenses, and savings) to help manage your budget and make sure you always have money when bills arrive. Chat to us about different account options.
Get the most out of KiwiSaver
Make sure you've joined, are getting the government contributions if you're eligible and are in the right fund to achieve your goals.
Set your budget
Creating a budget helps you stay on track and in control of your money.
Use our budget template to look at what's coming in and what's going out, and work out what a realistic budget looks like for you.
If you manage your finances with someone else, complete your budget together.
Automate transfers, payments and alerts
Once you've got your accounts sorted and know what payments are coming, the next step is to get them automated. When you have a realistic budget and great automation, a lot of the work is done for you.
Recurring transfers
Set up transfers so that once you've been paid, your money gets split between your accounts.
Automatic payments
Set up payments or direct debits for your regular bills so they get paid automatically.
How to set up automatic payments
How to set up direct debits
Account alerts
Alerts help you keep an eye on your balances:
- when credit card payments are due
- when your account is above or below certain amounts
- when your account goes into overdraft
Get support
By answering some simple questions, we'll help connect you with government benefits and services you may be eligible for - including many you might not know about.
Support Finder is for all New Zealanders, try it today.
Other actions to build better financial wellbeing
Get on top of debt
Find new ways to stay on top of debt.
Prepare for the unexpected
Build a safety net for unexpected costs and losses.
Work towards your savings goals
Get saving savvy and grow your money.
Invest in your future
Build towards your retirement.