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What are the criteria for getting an overdraft?

Last Updated: 08 Apr 2025

To secure an overdraft, you'll need to meet the following eligibility criteria:

  • Aged 18 years or above.
  • A New Zealand citizen or Permanent Resident.
  • Receive regular income.
  • Have a good credit rating.
  • Already hold or eligible to open a qualifying ASB transactional account.

Note: All overdrafts are subject to ASB lending criteria.


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