FinanceHero / New Zealand / Banking
See fees, balance requirements, ATM costs, cards and digital access side by side.
Transaction accounts
| Account | Balance / monthly fee | ATM / transfers | Card / app | Eligibility | Key caveat |
|---|---|---|---|---|---|
ANZ Bank New ZealandGo Account | Opening: Not availableMinimum: Not availableNo monthly account fee; electronic transactions free. | ATM: Electronic ANZ transactions free; other operator or overseas fees not verified.Transfers: Electronic transactions free; non-standard services may cost extra. | Debit card: YesApp: Yes | Online joining: age 13+, New Zealand residential address; NZ passport or driver licence for app verification. | Staff-assisted withdrawals NZD 3, waived for qualifying under-21 or age-65+ holders. Visa Debit has no annual fee; non-standard fees can apply. |
ASB BankEveryday Account | Opening: Not availableMinimum: Not availableNo monthly base or standard transaction fee.Interest: No interest paid. | ATM: Not availableTransfers: Not available | Debit card: YesApp: Yes | Verify identity through ASB ID app or branch with acceptable ID and address proof; debit card from age 13, guardian permission at 13-15. | Cannot be used for loan repayments. Usually no overdraft; special service charges and debit-card terms apply. |
Fees may exclude statutory charges.