What is the Offshore Service Margin on my credit card statement?
Last Updated: 07 Aug 2026
An Offshore Service Margin is a fee charged by ASB when you make a transaction in a currency other than New Zealand dollars.
From 15 September 2026, the Offshore Service Margin will be removed from all personal ASB Visa credit cards.
Fees still apply on:
ASB Visa debit cards, ASB Visa Business cards, and ASB Visa Business Rewards cards: an Offshore Service Margin of 2.10% applies to the converted New Zealand dollar amount.
ASB Fastcash cards, or cheque or savings accounts accessed overseas using an ASB Visa credit card: an Offshore Service Margin of 1.10% applies to the converted New Zealand dollar amount of each cash transaction.
Overseas ATM fees
Overseas ATM operators may also charge their own withdrawal fee as part of the transaction.
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