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New Zealand·Compare·Institutions·ASB

ASB

11 products we hold published figures for
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Everything on this page is taken from ASB's own published pages. Nobody there has reviewed or supplied it, and we are not them.

We hold figures for 11 of their products, each with the date it was read. If one is out of date, the page it came from is linked beside it.

Products we track

Credit cards

4 products
$0 · 9.95%
Fee$0Rate9.95%OverseasNot publishedDaysUp to 55
Conditions
  • The lowest advertised purchase rate of any card in this table.
  • Cash advances are charged at the same 9.95%, which is unusual.
  • ASB publish no foreign currency charge on purchases. Their Offshore Service Margin of 1.10% is scoped to accessing an account overseas, and their comparison table marks that row as applying to the two business cards only.
Checked 16 September 2026
Source
$0 · 13.50%
Fee$0Rate13.50%OverseasNot publishedDaysUp to 55
Conditions
  • Cash advances are charged at 22.95% p.a., well above the purchase rate.
Checked 16 September 2026
Source
$40 · 20.95%
Fee$40Rate20.95%OverseasNot publishedDaysUp to 55
Conditions
  • ASB charge $20 every six months; shown here annualised.
Checked 16 September 2026
Source
$125 · 19.95%
Fee$125Rate19.95%OverseasNot publishedDaysUp to 55
Conditions
  • ASB charge $62.50 every six months; shown here annualised.
Checked 16 September 2026
Source

Everyday accounts

1 product
Everyday
$0 a month · None
Fee$0 a monthTxnsNo transaction feesInterestNoneOverseas2.10% Visa Debit, 1.10% FastCashSource
Conditions
  • There is no monthly base fee and no transaction fee.
  • ASB say in as many words that the account has no fees or interest, which is a published nil rather than a gap.
  • The 2.10% applies to the ASB Visa Debit, and the 1.10% to the FastCash or Cashflow cards.
Checked 17 September 2026
Source

Business accounts

1 product
Business Account
No monthly base fee. · No allowance, no fees
Monthly feeNo monthly base fee.Transaction feesNo standard transaction feesIncludedNo allowance, no feesInterestNoneEligibilityBusinesses and non-profits
Conditions
  • FastNet Business transaction fees, other service charges and cash-handling fees may still apply, and no allowance applies because no transaction fee is charged on standard business accounts.
  • No turnover ceiling is published for the account.
  • ASB's service tiers by turnover are not claimed here. The row cited them to the business account page, and that page states no figure: rendered, it contains neither "250,000" nor "turnover". Whatever page describes those tiers has not been read, so the tiers are not published as though it had been.
  • ASB's rates page lists the Business Account's credit interest rate as N/A, which is a published statement that no interest is paid rather than an absence.
  • ASB removed the staff-assisted transaction fee and the standard electronic self-service fees from its standard business accounts in December 2023.
Checked 18 September 2026
Source

KiwiSaver schemes

1 product
ASB KiwiSaver Scheme
Not published · 0.35%–0.75%
Member feeNot publishedFund charge0.35%–0.75%Funds6
Conditions
  • ASB's KiwiSaver page (https://www.asb.co.nz/kiwisaver) states they don't charge performance fees; the fund comparison page cited here carries no member fee, so the member fee is not published.
6 funds in this scheme
  • Aggressive FundFund charge0.75%Performance feeNone
  • Growth FundFund charge0.70%Performance feeNone
  • Balanced FundFund charge0.65%Performance feeNone
  • Moderate FundFund charge0.60%Performance feeNone
  • Conservative FundFund charge0.40%Performance feeNone
  • NZ Cash FundFund charge0.35%Performance feeNone
Checked 17 September 2026
Source

Savings accounts

2 products
Savings On Call
0.25% p.a. on all balances · Not published
Base rate0.25% p.a. on all balancesBonus rateNone.Bonus conditionsNone.TotalNot publishedNoticeOn call; no access restrictionFeesNo monthly or transaction fees
Conditions
  • Interest is calculated daily and paid monthly.
  • ASB pays one rate on all balances, with no deposit or withdrawal condition.
  • Access is available whenever the holder likes.
  • ASB states service charges apply.
Checked 9 October 2026
Source
Savings Plus Monthly
0.05% p.a. base interest · 2.05% published total
Base rate0.05% p.a. base interestBonus rate2.00% p.a. reward interestBonus conditionsNo withdrawal, or one on day oneTotal2.05% published totalNoticeOn call; one withdrawal keeps rewardFeesNo monthly or transaction fees
Conditions
  • ASB states the combined base and reward interest rate of 2.05% p.a. is effective 9am Thursday 1 October 2026.
  • Base interest is paid regardless of transactional activity or balance.
  • The 1.80% published total is the combined base and reward interest.
  • No other withdrawals are permitted, and one withdrawal a month keeps the reward rate.
Checked 9 October 2026
Source

Term deposits

1 product
Term Deposit
3.60% p.a. · 4.00% p.a.
3 mo3.00% p.a.6 mo3.60% p.a.9 mo3.70% p.a.12 mo4.00% p.a.18 mo4.30% p.a.24 mo4.30% p.a.5 yr5.00% p.a.
Conditions
  • Minimum deposit: $5,000. Maximum $10 million across all ASB term investments held solely or jointly.
  • Interest paid: At maturity under six months; quarterly, six-monthly, annually or at maturity from six months, and monthly on $10,000 or more for six months or longer.
  • Early withdrawal: Allowed with 31 days' notice, or on an exceptional circumstance; a reduced interest rate applies to the amount withdrawn.Source
  • ASB's rates page publishes one rate column headed Term Deposit and ASB Term Fund. The ASB Term Fund is a PIE; only the ordinary term deposit rate is carried in these columns.
  • ASB's early withdrawal information states the break rate is 2% p.a. less than the rate that applied when the deposit was opened; the product page cited here states only that a reduced rate applies.
  • ASB publishes 30, 60 and 90-day and 4, 5 and 6-month terms and 3 and 4-year terms as well; only the seven compared terms are carried.
Checked 9 October 2026
Source

Youth accounts

1 product
Headstart
$0 a month. ASB states zero monthly account and transaction fees. · 2.05% p.a. on every dollar.
AgeOpened for a child from birth by a parent or guardian; a teenager can open one themselves and take over the account from 13. The account stops at 18.Monthly fee$0 a month. ASB states zero monthly account and transaction fees.Interest2.05% p.a. on every dollar.SourceBonus conditionsNone. ASB pays one rate on all balances, with no deposit or withdrawal condition.CardASB Visa Debit from 13, with a parent or guardian's permission between 13 and 15. No card before that; a parent or guardian withdraws for a child of 0 to 12.At the limitAt 18 ASB switches the account to its Everyday account, which ASB states has no monthly account or transaction fees.
Conditions
  • ASB publishes 2.05% p.a. on both the Headstart page and its bank account rates page, which is a stated rate rather than an absence.
Checked 9 October 2026
Source
SourceEvery figure on this page was read from ASB's own published pages. We are not ASB and this page is not theirs.
Other institutionsANZ·ASB Securities
The facts
Products we hold figures for
11
Oldest figure here
16 September 2026
Read from
8 pages they publish
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