Manage your money day to day
Simple steps to help you understand and manage your money day-to-day.
Create or review your budget
- Create a spending and saving plan using ASB's budget template.
- Use Spend Tracker to see where your money is being spent and to help create your budget. Find it in the ASB Mobile Banking app.
- Spot unwanted subscription spending using Card Tracker in the ASB Mobile Banking app.
- Use Support Finder to find financial support that might be available to you. By answering some simple questions, we'll help connect you with government benefits and services you may be eligible for - including ones you might not know about.
Use different accounts for different needs
- Organise your money into different accounts for bills, personal spending and saving. It can help you avoid dipping into money you've set aside for expenses and savings. Do it in the ASB Mobile Banking app, in FastNet Classic internet banking or get help from us.
- Know how much you have available to spend by setting automatic payments to your different accounts each pay-day. Find out how to do this from the payments screen in the ASB Mobile Banking app or in FastNet Classic internet banking.
- If you're unsure what accounts work best for you, book a time with one of our friendly bankers for assistance. Go to 'Contact Us' in FastNet Classic internet banking or the ASB Mobile Banking app.
- Monitor spending and compare with your budget using Spend Tracker in the ASB Mobile Banking app.
- Stay on top of what's happening in your accounts with account balance alerts. Set up and manage alerts in the ASB Mobile Banking app or in FastNet Classic internet banking.
Automate regular bills and payments
- Set up an automatic payment where the amount is the same each time, to help take the stress out of paying on time. Find out how to do this from the payments screen in the ASB Mobile Banking app or in FastNet Classic internet banking.
- Set up a direct debit giving permission to another person or business to deduct money from your ASB bank account when the amount is due. It can be for the same amount each time, or the amount can change with each payment, e.g. a power or phone bill.
- Start a regular savings habit by setting up an automatic payment to your savings account. Find out how to do this from the payments screen in the ASB Mobile Banking app or in FastNet Classic internet banking.
Manage debt
Understand and manage the money you owe, to reduce debt faster and reach your goals.
Get support to manage repayments on the money you owe
- Get tips on how to get your debts under control and pay off the money you owe.
- Talk to us about support options to help during financial tough times. We may be able to connect you with a range of support services or specialist teams who can work with you to discuss the available options.
- We can help you review whether you have the most appropriate accounts or lending products to meet your needs. Go to 'Contact Us' in FastNet Classic internet banking or the ASB Mobile Banking app to book an appointment.
Manage repayments and reduce the money you owe
- Understand your interest costs and the potential benefits of faster repayment using our handy calculators.
- Take stress out of repaying the money you owe on time, by automating repayments. Find out how to do this from the payments screen in the ASB Mobile Banking app or in FastNet Classic internet banking.
- Help manage spending by turning off ATM withdrawals, set spending limits and more using Card Control in the ASB Mobile Banking app.
- Consider decreasing your overdraft limit to help manage money you owe.
- Review your credit card limit to help reduce debt.
- Help avoid unnecessary debt by setting overdraft and low balance alerts in the ASB Mobile Banking app or in FastNet Classic internet banking.
- Know when your credit card payments are due with payment reminders.
- Understand debt consolidation options and suitability for you. Find out about potential pros and cons, along with the application process.
Understand your borrowing options to reach your goal
- Talk to us about your borrowing options. Go to 'Contact Us' in FastNet Classic internet banking or the ASB Mobile Banking app to book an appointment.
- Understand the cost of borrowing and your likely repayments on a personal loan.
- Learn about the personal loan application process, loan options and some of the things we'll consider when reviewing an application.
Save, Invest, Protect
Work towards your goals, invest in your future and protect what's important.
Build your emergency savings
- Build your emergency savings and take the stress out of unexpected expenses that crop up using ASB's Rainy Day Savings Planner to help. Go to your dashboard in the ASB Mobile Banking app, then tap on 'Financial Wellbeing' to find Goal Planner and calculate your Rainy Day goal, or try the Rainy Day Savings Planner on asb.co.nz.
Give your savings a boost
- Having a dedicated account for your savings can help you avoid dipping into your savings and makes it easier to keep track of savings progress.
- Set a savings goal to keep goals front of mind and track your progress. Go to your dashboard in the ASB Mobile Banking app, then tap on 'Financial Wellbeing' to find Goal Planner and set a goal.
- Set up a regular automatic payment to your savings. Find out how to do this from the payments screen in the ASB Mobile Banking app or in FastNet Classic internet banking.
- Round up your purchases and automatically tuck the extra into your savings, as you spend, with Save the Change.
- If you already have Save The Change, consider increasing the rounding amount to supercharge your savings.
- If you find yourself tempted by your growing savings balance, hide your savings account. You can do this in Fastnet Classic internet banking.
Understand your KiwiSaver options
- Make sure you're maximising your savings towards your first home or retirement with free advice from a KiwiSaver expert.
- Use the ASB KiwiSaver Scheme Calculator to see what your future balance might look like and the impact that your fund choice and your contributions could have.
- Use ASB's digital KiwiSaver advice feature in the ASB Mobile Banking app or in Fastnet Classic internet banking to get advice on which ASB KiwiSaver Scheme fund would suit you best. You can also join online.
Optimise your KiwiSaver account
- Choosing the right fund can make a big difference to your future KiwiSaver balance. Learn more about ASB's KiwiSaver Scheme funds and find the right one for you.
- Increasing your KiwiSaver contributions can have a big effect over time. Find out more and use our KiwiSaver calculator to see the difference this could make.
- Use the ASB KiwiSaver Scheme Calculator to see the difference a change in fund or contribution rate could make.
Explore your investment options
- Get investment advice if you are considering longer term investment options to achieve your goals.
- Find out about ASBs wide range of investment options, whether you're an experienced investor, or just starting out.
- Explore share trading. ASB Securities can guide you through the share trading process and assist you to confidently make your own investment decisions.
Insure your belongings and protect yourself and loved ones
- Insure your assets against loss or damage - including home, contents, car or landlord's insurance. Get a quote and purchase online, or phone us on 0800 200 242.
- Protect yourself and your loved ones with life, health and income protection to ease financial pressure at a time you need it the most. ASB Insurance Managers can provide guidance and advice to help you put the right protection plan in place.
Home lending
Tips and tools to help you purchase property and manage the repayments.
Plan your property purchase
- Understand what you could afford to borrow using our home loan borrowing calculator.
- Find out whether you're eligible for a KiwiSaver first home withdrawal and how to apply.
- Apply for a home loan pre-approval, a conditional approval that we can lend you a certain amount of money, provided that the conditions of the approval are met.
- Use our Mortgage Repayments Calculator to work out and compare home loan rates, terms and payments.
Manage your ASB home loan
- Use ASB Home Central to manage your home loan online and to see how you could get mortgage free faster.
- Book an appointment at a time and place that suits you on how to manage your existing home loan to repay your mortgage faster.
- Learn about making extra home loan repayments on fixed rate loans and whether this is a good option to build equity, pay off your loan faster and pay less interest overall.
