Expense management

It's important to manage your business expenses efficiently and effectively, whether that’s your cost of goods sold, or your operating costs. We can help.

Find an expert

Great reasons to choose us

  • A choice of accounts, loans and credit card solutions to suit how you manage expenses.
  • Manage your accounts online from the office, or while you’re out growing your business, on your mobile phone.
  • Experts with wide industry knowledge that can help.
  • Online accounting integration for efficient reconciliation of expenses.

How it works

Good expense management is easier when you have the right solutions to manage the payments.

Managing cost of goods sold

These are usually your bigger, regular costs. We can help with a business loan to ensure you can buy in the materials, people and other resources you need. Borrowing the funds bridges the gap between today’s costs and the revenue from tomorrow’s sales, without being limited by your cash on hand. You could also use your business overdraft if you expect reasonably fast sales. If the costs are smaller, you could use your ASB business credit card.

Day-to-day operating expenses

Office expenses, petrol, stationery, meetings; there’s a long list of expenses that keep your business running. Using an ASB business credit card means you can buy now in store, over the phone or online, while giving you up to 50 days interest free on purchases.  

Options at a glance

Business credit cards

Our ASB Visa Business credit card is a great way to manage everyday business cash flow with multiple cards and individual limits for employees. Our ASB Visa Business Rewards credit card allows you to earn True Rewards dollars on all your purchases.

Learn more

Revolving Credit Facility

A revolving credit facility is like a complete banking package that provides an all-in-one cheque account, call account (savings), overdraft and lending facility. We have three options you can consider, depending on your needs.

Learn more

Business Overdraft

Manage your everyday cash flow with confidence and have ongoing access to the funds you need, when you need them.


Learn more

Get more from ASB

Control your cards in real-time

With ASB Visa Business and the optional Card Manager module in ASB FastNet Business you can directly control all your organisation's credit cards.  You can instantly change a credit card limit, cancel a card or order a replacement one. Manage your card account yourself, in just a few minutes.

Improve expense management with ASB Visa Spend Clarity for Enterprise

ASB’s expense management tool, Visa Spend Clarity for Enterprise works with ASB Visa Business and lets you move your expense management online. It gives you more control and visibility over your business spend, with on-demand access to expense data and comprehensive reporting across the business.

Bank your sales 365 days a year

Receive your electronic sales every day, seven days a week, including public holidays. Having money in your account at the end of the day 365 days a year can make a big difference when it comes to making payroll or paying suppliers.

Guides to get you there

Next steps

Enquire online

Tell us about your business and how we can help, and one of our team will get back to you.

Enquire now

Call us

Contact us from 8:00am to 5:00pm, Monday to Friday.

0800 272 222

Visit a branch

Visit us at one of our many branches.

Find a branch

We’re here to help

ASB's terms and lending criteria apply.

Business banking Expense management