ASB Bank login basics
ASB Bank is a New Zealand retail bank. To access your account online, you go to asb.co.nz, click "Log in" in the top right corner, and enter your username and password on the ASB Online Banking page. If you don't have online banking set up yet, you'll need to register first using your customer number and other details from your bank card or statement.
ASB offers two login methods: standard username and password, or ASB Mobile Banking through their app. The mobile app is available on iOS and Android. Both routes connect you to the same account — your choice depends on whether you're logging in from a computer or phone.
Once logged in, you can view balances, transfer money between your own accounts, pay bills, set up recurring payments, and download statements. You cannot open new accounts or apply for products through online banking; those require a visit to a branch or a phone call.
Key Takeaways
- Go to asb.co.nz and click "Log in" to reach the online banking portal with your username and password.
- If you haven't registered for online banking, you'll need your customer number from your card or statement to set it up.
- ASB Mobile Banking app works on iOS and Android and accesses the same account as the website version.
- You can view balances, transfer money, and pay bills online, but opening new accounts requires a branch visit or phone call.
- If you forget your password, use the "Forgot password?" link on the login page to reset it by email or security questions.
Setting up online banking for the first time
If you have an ASB account but haven't logged in online before, you need to register. On the ASB Online Banking page, look for a "Register" or "First time user?" link. You'll be asked for your customer number (found on your debit card, cheque book, or statement), your date of birth, and other identifying information.
ASB will send a one-time code to your registered email or phone number to confirm your identity. Enter that code to complete registration. You then create your own username and password. This process usually takes a few minutes and can be done at any time.
After registration, you can log in immediately. Your first login may prompt you to set up additional security features, such as security questions or a PIN for the mobile app.
Resetting a forgotten password
On the ASB Online Banking login page, click "Forgot password?" below the password field. ASB will ask you to enter your username and confirm your email address or phone number. They'll send a password reset link to that email or an SMS with instructions.
Click the link or follow the SMS instructions to create a new password. The reset link is usually valid for 24 hours. If you don't receive the email or text, check your spam folder or wait a few minutes and request a new code.
If you can't access the email or phone number on file, contact ASB directly by phone or visit a branch with photo ID. They can verify your identity and help you regain access.
Two-factor authentication and security features
Two-factor authentication (also called 2FA) adds a second step to login: after you enter your username and password, ASB sends a code to your phone or email. You enter that code to complete login. This protects your account if someone learns your password.
ASB may require 2FA for certain transactions, such as large transfers or changes to your contact details, even if you don't use it for every login. Check your security settings in online banking to see what's currently active on your account.
You can also set up security questions during registration or in your account settings. These are used if you need to reset your password or if ASB needs to verify your identity over the phone.
Using ASB Mobile Banking app
Download the ASB Mobile Banking app from the Apple App Store or Google Play Store. Open the app and log in with the same username and password you use on the website. On first login, the app may ask you to set a PIN or enable biometric login (fingerprint or face recognition).
The mobile app shows the same information as the website: account balances, recent transactions, and transfer options. Some users find the app faster for quick checks or payments because you don't have to type your full password each time if you've set up biometric login.
Keep your app updated. ASB releases updates regularly to fix bugs and add security improvements. If you haven't used the app in a while, log out and log back in to ensure you're on the latest version.
What to do if you're locked out of your account
If you enter your password incorrectly several times in a row, ASB may temporarily lock your account for security. You'll see a message saying your account is locked. Wait 15 to 30 minutes and try again, or contact ASB immediately to unlock it faster.
If you're locked out for another reason — such as suspicious activity on your account — ASB may contact you by phone or email. Follow their instructions to verify your identity. Do not click links in unsolicited emails claiming to be from ASB; instead, call the number on the back of your bank card or visit asb.co.nz directly.
If you suspect fraud or unauthorized access, call ASB's fraud line immediately. The number is on your bank card and on the ASB website. They can freeze your account and investigate.
Troubleshooting common login problems
Username or password not working: Check that Caps Lock is off and that you're typing your username (not your account number). Usernames are case-sensitive. If you're still stuck, use "Forgot password?" to reset.
Not receiving the 2FA code: Check your spam folder and wait a few minutes — texts and emails can be delayed. If the code doesn't arrive, request a new one. If you're not receiving codes at all, contact ASB to update your phone number or email address on file.
Page won't load: Try a different web browser or clear your browser cache and cookies. If asb.co.nz is down for maintenance, ASB usually posts a notice on their website or social media. Check back in a few minutes.
App crashes or freezes: Force-close the app, restart your phone, and try again. If the problem persists, uninstall and reinstall the app from the App Store or Play Store.
Frequently Asked Questions
Can I log in to someone else's ASB account?
No. Online banking is personal to each account holder. If you're an authorized representative or joint account holder, you'll need your own username and password. Contact ASB to set up access if you have legal authority over the account.
Is ASB online banking safe to use on public WiFi?
ASB uses encryption to protect your login and transactions, so the connection itself is secure. However, public WiFi networks can be monitored by others. For extra safety, use your phone's mobile data instead of WiFi, or wait until you're on a private network before logging in.
What's the difference between ASB Online Banking and ASB Mobile Banking?
They access the same account and show the same information. Online Banking is the website version for computers; Mobile Banking is the app for phones and tablets. Use whichever is more convenient for you.
Can I change my username after I've created it?
ASB does not allow you to change your username yourself. If you want a different username, contact ASB by phone or visit a branch, and they can change it for you.
What should I do if I think someone else has logged into my account?
Change your password immediately and contact ASB's fraud line. The number is on your bank card. They can review recent login activity, freeze your account if needed, and help you secure it.