Auckland Savings Bank, est. 1847 · One of NZ’s big four
Every dollar has a job. ASB’s tools draw you the picture — live charts, honest numbers, and goals you can watch move. Drag a slider. The graph answers.
Everyday banking
No monthly account-keeping fees, round-ups that sweep spare change into savings, and cards that show their working. Here’s the maths, drawn to scale.
Every purchase rounds up to the nearest dollar you choose, and the spare change slips into your savings. Tap the purchases, pick a round-up, watch the jar fill.
Demo only — but the product is real, and it’s been quietly rounding up since 2010.
Monthly account-keeping fee on an everyday transaction account. ASB removed them. Many New Zealanders still pay them elsewhere.
Typical range $3–$6/mo is illustrative of NZ everyday account fees, not a specific competitor. ASB fee: $0 on Streamline everyday account.
Debit and credit cards with instant lock in the app, real-time spend alerts, and True Rewards dollars that behave like cash.
Drag the sliders to split a fortnightly pay. The river redraws itself — and it always tells the truth: every dollar is accounted for, including the ones with no job yet.
Home loans
A mortgage is thirty years of fortnightly decisions. Drag the numbers around and watch the balance curve bend — deposits, rates and extra repayments all change the shape of your future.
Indicative ASB rates as at July 2026 (min 20% equity). Principal & interest, fortnightly. Estimate only — talk to us for real numbers.
KiwiSaver first-home withdrawal and a goal tracker keep the number honest.
Know your ceiling before the auction, not after. Conditional approval in days.
Repayment estimates per listing, so the dream home passes the maths test.
Your banker, solicitor and the paperwork line up. We chase, you pack.
Settlement day, first repayment scheduled, key emoji in the group chat. 🔑
Savings & investments
Name the goal, feed it monthly, and the chart draws the day you arrive. Then pick where the money lives while it works.
KiwiSaver
Three percent from you, three from your employer, a top-up from the government — then decades of quiet multiplication. Move the dials; the curve tells the story.
Illustrative returns (2.5–6.5% p.a. after fees, before tax), employer 3%, $521.43 government match assumed. Projection, not a promise.
Government match per year when you contribute $1,043 — free money, annually.
You give 3%, your employer matches 3%. A 100% instant return on that slice.
Withdraw most of it for a first-home deposit — the projector above doubles as a house-deposit machine.
Business & rural
Zero monthly fees on business everyday accounts too, plus the tools that keep the books boring — in the good way.
Everyday accounts with $0 monthly fees, invoicing in the app, and a banker who learns your name.
Property, plant and growth capital, with treasury and markets support when the numbers get big.
Seasonal lending that understands milk cheques and lambing, from people who’ve seen a gumboot.
Guides, templates and benchmarks — the unglamorous stuff that decides whether year two happens.
Guided quest
No dropdown jungle. Answer three friendly questions and we’ll point at the thing — with the why attached.
Security & trust
Security works in layers. Peel these back — each one is always on, and each one is yours to use.
Each ring of the shield is a real ASB control. Start from the outside and work in.
Drag to describe the message you got — from “expected bill” to “urgent refund”.
Help & contact