Natalie (15 years)
"I never share my personal details or account information with anyone. This is a good way to protect my money, so that nobody can access my account."
Headstart is our account for under-18s
Earn interest
Our only everyday transaction account that earns you interest on every dollar.
No fees
No monthly account or transaction fees for the lifetime of your Headstart account.
Bank on the go
It's like having the bank in your pocket. Check your balance and statements 24/7 and transfer money between accounts in real time with ASB Mobile Banking app.
Get your free limited-edition Kashin money box
With a nod to the past and a wink to the future, Kashin helps us remember that helping kids get one step ahead with money will never get old. And now you can get a special limited-edition Kashin money box when you open a new Headstart account. One per Headstart account holder, while stocks last.
If you're a parent and you want to open an account on your teen's behalf, you can make a booking for a time that suits you by calling us on 0800 803 804. You can also make an appointment in the ASB Mobile Banking App or Fastnet Classic.
Got a question about the Kashin money box? Check out the FAQs at the bottom of this page.
Take the next step
For teens
Once you've got your bank account set up, it's a great time to create money habits that set you up for the future.
Whether you have your first part-time job and want some tips for not spending all your money, wondering what's worth saving for, or how to make sure you don't get scammed, we have all the info right here.
And if there's a question we haven't answered, you can get in touch with us or ask an adult you trust.
For parents
We get it, managing money is a big responsibility for your teen.
Our job is to provide the tools, products and tips to help your teen feel supported and empowered to manage their money. It's never too late - or early - to learn good money habits, and we want to help set your teen up for success.
Handy tools
In the ASB Mobile app, you can use these tools to help you manage your money and save towards your goals.
Save money without thinking about it.
Looking to grow your savings? Our Save the Change tool takes the stress out of saving by rounding up your transactions and adds the difference to your savings account.
Set a savings goal
Use Goal Planner to set a savings goal. It'll show you how far you have to reach each goal and motivate you along the way.
Track your spending
With an ASB Visa Debit card, you can track trends in your spending with Spend Tracker and where your details are stored with Card Tracker.
Stay scam safe
We’re here to help you get one step ahead of scammers. ASB Scam Hub has lots of helpful information on scams and how to stay safe.
How to set up good money habits
Teen money tips
Charlie (15 years)
"I like that you can set a PIN/passcode to enter the app. And it’s super easy to transfer money."
Jess (17 years)
"Save money by making your coffee at home. $3-$5 per coffee can add up quickly. By having your morning coffee at home, you’ll save about $100 every month. That’s $1,200 a year!"
Vernon (16 years)
"I like that I can check my balance and that I get alerts. This gives me a good reminder of how much money I have left to spend."
Izy (16 years) & Malia (15 years)
"Our savings tip is you shop with your eyes first, and then only get what you actually need...or just not to go to the store at all and avoid the temptation."
Guides for getting one step ahead
How to shop online safely
If you've got yourself an ASB Visa Debit card, the excitement of being able to shop online can be very real.
There are some things you might need to look out for when shopping online so check out our best tips for spending safely online.
Your first part-time job
You'll remember your first after-school or part-time job forever. For many, starting out in a retail or hospo job leads to a career path, lifelong friends and many happy memories.
Setting a savings goal
The best way to save money is to have a clear goal of what you want to achieve. If you’re looking to fund a side hustle startup, holiday, education or even a house, setting a goal is the first step.
Lucky for you, we have everything you need to get started.
Kashin money box FAQs
Who can get a Kashin money box?
ASB customers who open a Headstart account, or have an existing Headstart account, are eligible for a Kashin. One per Headstart account holder, while stocks last.
What age is the Kashin money box suitable for?
Kashin has been checked and has passed the NZ Safety Standards for Toys (AS/NZS ISO 8124.1-3 Safety of toys) and is suitable for children ages 3 and up.
What is Kashin made of?
The money box is made from 100% recycled plastic.
The money box bung is ABS (number 7) recycled plastic.
The rest of the money box is rPVC (number 3) recycled plastic.
The tube is made of cardboard and the booklet is made of paper.
Why is this money box not digital?
This money box is a commemorative 150-year edition of the many Kashin money boxes ASB has had over the last few decades. Tangible money is a great way to start learning and saving. The Kashin money box also comes with Kashin's big little book of money. A fun pocket-sized A-Z of money words to help kids learn about money.
How can Kashin be recycled once no longer needed or at end of life?
The packaging and booklet are made of paper and cardboard and can be placed in kerbside recycling bins (check local guidelines). The Kashin money box can be dropped off at any ASB Advice Centre to be recycled.
Does my child qualify for a Kashin if they have a savings account, not a Headstart account?
Kashin money boxes are available to customers with Headstart accounts only. Find out how to open a Headstart account here.
Can I get a Kashin for a child who does not have a Headstart account but their siblings do?
Kashin money boxes are only available to customers with Headstart accounts for a limited time, while stocks last. Find out how to open a Headstart account here.
I opened a Headstart account before the money box offer started, can I still get a Kashin?
Yes, but only while stocks last.
How / where do I pick up a Kashin?
Bring your ASB card, or a form of ID (like a passport or drivers licence) your nearest ASB Advice Centre.
I don't live close to an ASB Advice Centre, how do I get one?
Kashin is only available at ASB Advice Centres while stocks last.
Can I put a hold on a Kashin?
Unfortunately not as there is limited stock.
Will my existing Clever Kash still work?
Yes, Clever Kash still works with the ASB Mobile Banking app.
ASB Bank Limited's Personal Banking Terms and Conditions and ASB Youth Accounts Terms and Conditions apply. Rates may change and service fees may apply. See all our rates and fees.
Kashin money box is made from 100% recycled plastic. One money box per Headstart account holder, while stocks last.