ASB Korean Banking

Transcription

ASB Korean Banking

Korean Banking
ASB
Banking in
New Zealand is
as easy as ASB.
ASB
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www.asb.co.nz for information on rates, products and services.
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C ontents
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Welcome to ASB and New Zealand
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Korean Banking
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Opening Your Account
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Accessing Your Account
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International Services
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Personal Finances
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Investment Products and Advice
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Home Loans
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Insurance
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Business and Rural Banking
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Contact Details
0800 803 804 for our Contact Centre, 24 hours, 7 days a week.
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At ASB when we say we’re
‘one step ahead’, it’s not
just a line, it’s a philosophy
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Welcome to ASB and New Zealand
Established for 150 years
ASB has been serving New Zealand customers for
over 150 years and continues to meet the financial
needs of many personal, business, rural and corporate
customers throughout New Zealand.
Specialist Korean Customer Service
Our branch network in New Zealand has 20 Korean
speaking staff including a specialist Korean Banking
Unit to assist new migrants with their financial
requirements when they arrive in New Zealand.
Innovators in Banking
ASB has gained a reputation for being at the forefront
of innovation when it comes to banking technology.
A number of innovations have been developed to
meet our customers’ needs, including online real time
banking, FastNet Classic Internet banking and online
share trading.
Community Involvement
ASB prides itself on being a member and supporter of
the community with a major sponsorship programme
involving sports, community support and a variety of
cultural groups.
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>
ASB Korean Banking
Moving to a new country can be a very busy time. At
ASB we understand you will have enough to organise,
so we have made taking care of your banking needs
quick and convenient for you.
ASB have a specialised Korean Banking Division,
which has been established since the year 2000 and
is part of one of the largest migrant banking teams in
any New Zealand bank. Our helpful, bi-lingual team are
experienced in dealing with the unique financial needs
of new migrants.
In addition to helping you with all of your banking
needs, we can also organise a comprehensive
settlement interview, which includes helpful information
on non-banking matters useful to new migrants.
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Opening your Account
ASB offers a complete range of accounts and services
to help you manage your finances. We invite you to
visit ASB and talk with one of our friendly staff about
the products and banking services that best suit your
financial needs.
You will be required to provide two forms of
identification, including a photo identification such as
your passport and one other form (e.g. birth certificate
or driver’s licence) to open your ASB account. Proof of
your home address is also required (e.g. bank statement
or utility bill).
A minimum balance of $500 for opening a new account
may apply.
How do I open an ASB account
from Overseas?
If you are intending to migrate to New Zealand and want
to open an ASB account before you arrive, ASB, with the
support of our parent company Commonwealth Bank
of Australia (CBA), has Representative Offices in main
centres worldwide.
Visit www.asb.co.nz/movingtonz or contact Korean
Banking on +64 9 375 1472 for more details.
While you may be able to deposit funds into your
account, you will not be able to operate your account
until you arrive in New Zealand and satisfy our
identification requirements.
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Withholding Tax
When you have opened your ASB account you
must establish and notify us of the New Zealand
tax status which applies to you. To determine your
tax status you can contact the New Zealand Inland
Revenue Department (IRD) at www.ird.govt.nz or seek
professional advice from your tax adviser.
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With ASB Electronic Banking you
can do virtually all your banking
24 hours a day, 7 days a week.
Do your banking when you feel
like it, where you feel like it.
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Accessing your Account
FastNet Classic
> FastNet Classic Internet banking lets you do virtually
all your banking from the comfort and convenience
of your own computer provided you have an Internet
connection and compatible browser.
Open your personal
branch - at your
fingertips.
> Check your account balances, view statements (including Credit Cards), transfer funds, pay your
bills and much more – all from the privacy of your own home or office, 24 hours a day, 7 days a week, wherever you are in the world.
FastPhone Telephone Banking
> ASB’s banking-by-phone service allows customers to
access their accounts at all times, from any touchtone
phone all over the world.
> FastPhone lets you check your account balances
and recent transactions, transfer funds between
your accounts, pay your bills, order a cheque book,
deposit book or statement, and even check the
current foreign exchange rates.
> Call us on 0800 272 272 (in New Zealand only).Mobile
phone callers: 09 308 9911*
International callers: +64 9 302 4800**
*Standard mobile phone charges apply. **International toll charges apply.
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TXT Banking
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> Any ASB customer with an SMS (text) capable
mobile phone connected to a New Zealand network
Take your bank
with you wherever
you go.
can use ASB’s TXT Banking service.
> Get account balance information and transfer funds
between your accounts (including Credit Cards)
via text message, anytime, anywhere that there is
mobile phone coverage.
> To register, call 0800 662 226 from within
New Zealand.
FastCash Card
> Use your ASB FastCash Card at any ASB FastCash
ATM (Automatic Teller Machine) to obtain cash,
deposit funds, obtain a mini-statement of your
latest transactions, transfer funds between your
accounts (including Credit Cards) and order a new
cheque book, deposit book or statement.
> Your ASB FastCash Card can be used at over 2,000
ATM locations throughout New Zealand and to pay
for goods and obtain cash wherever you see an
EFTPOS sign.
Get cash around
the clock.
> While overseas you can use your ASB FastCash
card to access money at ATMs wherever the ‘PLUS’
logo is displayed and at any Commonwealth Bank
of Australia ATM*.
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Online Sharetrading
> ASB Securities Limited (a NZX Firm) offers
Online Sharetrading and a personalised advisory
service for investors.
> Buy and sell shares at very competitive brokerage
rates as well as access a wide range of financial
information 24 hours a day.
> Information about Online Sharetrading can be
accessed at www.asbsecurities.co.nz
FastNet Classic, FastCash Card and Fastphone, and Mobile Banking Terms
and Conditions of Use together with rates and fees are available from
ASB Bank Limited.
*An overseas ATM Withdrawal Fee and Offshore Service Margins will apply for
transactions performed outside of New Zealand. There are no exemptions.
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International Services
ASB can help you with all your international financial
transactions through our specialist Migrant Banking
Unit or through our branch network.
International Money Transfers
> Send money offshore with the ASB international
money transfer (IMT) service. Funds can be
electronically transferred conveniently from one
country to another. This service is available online
via FastNet Classic.
> If you wish to transfer money from overseas
to ASB, please contact Migrant Banking for
information on which overseas banks ASB has
relationships with.
Foreign Currency Accounts
> An ASB Foreign Currency Account is a convenient
and flexible way to invest in foreign currencies at
internationally competitive interest rates and to
manage your foreign currency transactions.
> Foreign Currency Accounts are available to you in
all major currencies.
> You’ll earn daily interest at the prevailing foreign
currency interest rates on both call and term
deposits which can be useful protection against
currency fluctuations.
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International Bank Drafts
> International Bank Drafts are essentially bank
cheques made out in the currency of your choice.
They are a safe, convenient and cost effective
way to send money to family, relatives or friends
overseas or to pay for overseas purchases.
> It is important to note that bank drafts are not
exchangeable for cash as they are intended to be
paid into the recipient’s bank account.
Foreign Exchange Terms and Conditions, Financial Markets Mandate and Term
Investment Statement and minimum account opening balance apply.
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Personal Finances
As well as 24 hour banking facilities and a
comprehensive branch network, ASB offers a complete
range of accounts and services to help you manage
your finances.
Accounts and
services designed
Savings and Everyday Banking
We appreciate that everyone’s needs are different.
That’s why ASB offers you a choice of day-to-day
to help you manage
working accounts. All options cater for both your
your money,
incoming and outgoing transactions, such as Bill
your way.
Payments, Automatic Payments, Direct Credits, Direct
Debits and your daily banking needs.
We also offer a range of savings accounts:
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Accelerater – A goal-oriented savings account
with full access that rewards you for saving.
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FastSaver – A savings account that is ideal for
those who deposit and access their savings via the
phone or internet, offers a higher rate of interest
and no FastSaver base or transaction fees.
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Headstart – A youth savings account for
customers 18 years old and under.
ASB’s current Disclosure Statement and Personal Banking Terms and Conditions
are available from any ASB branch.
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Personal Lending Options
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Overdrafts – Extra cash spending power when
you need it.
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Personal Loans – A loan for almost any purpose
at a competitive interest rate.
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ASB Visa or ASB MasterCard – All over New
Zealand and at over 22 million establishments
throughout the world, your ASB Visa or ASB
MasterCard can be used to pay for all kinds of
goods and services.
> As well as the standard benefits of an ASB Credit
Card, Visa Gold and MasterCard Gold can provide
you with 90 Day Travel Insurance and greater
purchasing power through a higher credit limit.
Exclusions, terms and conditions apply. Please
refer to the ASB 90 Day Gold Card Travel Insurance
Policy for full details.
Subject to ASB’s normal lending criteria. Personal Banking terms and conditions
and Credit Card Terms and Conditions of Use apply. Loans for business purposes
are excluded.
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>
Investment Products and Advice
Term Investments
> You choose the investment term that best suits
your needs, from 30 days to five years.
> For Term Investments longer than 6 months,
interest can be paid quarterly, six-monthly, annually
or added to the investment and paid out with the
principal on maturity. Minimum Investment amount
NZD $5,000.
> ASB also offers Term Investments with a monthly
interest option. With a minimum term of six
months and a minimum deposit of NZD$10,000,
you can have the convenience of a regular
investment income.
> For amounts ranging from NZD$250,000 onwards,
we can offer you attractive negotiated rates for your
Term Investment.
Investment Advisory Service
> Discuss your present situation and long-term
investment goals with one of ASB’s Investment
Advisers or one of our specially trained, investmentaccredited Personal Bankers.
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> We can develop a personalised five-step
investment plan, which provides access to
investment opportunities in markets locally
and internationally.
> It is an obligation-free service and is available at
your nearest ASB branch or by appointment at
your home or work.
A current Disclosure Statement and Investment Statement for ASB Term
Investments are available from any ASB Branch.
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Feel at home with your loan.
Choosing the right home loan
is as important as choosing
the right house.
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Home Loans
One of the most important steps when settling in
New Zealand is buying a new home – there are many
things to consider and it may seem a bit daunting at
first, but we’re here to help make the process stress
free. ASB offers a range of home loan products
and services to suit your needs and your
financial circumstances:
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Your choice of home loan types, repayment
options and terms of up to 30 years.
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Competitive fixed and variable interest rates.
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Home Loan ‘Top-Ups’ – borrow more for
whatever you need.
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Loans of up to 95% of the property value,
so you could buy your home with as little as 5%
deposit.In some circumstances, ASB can lend up to
100%* - ask us for details.
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Fast approvals – your loan could be
approved within one hour if you provide all the
necessary documentation.
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Hold your rate for 60 days.
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Even applying is easy:
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In branch – we have branches open 7 days a week
with Personal Bankers available.
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Apply online for a new home loan or a top-up to
your existing loan at www.asb.co.nz
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Toll-free Home Loan Line – with Lending
Specialists available during extended business
hours, for advice and assistance or to apply for an
ASB Home Loan
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Mobile Lending Managers – deliver expert
advice on ASB’s lending options to your home or
office whenever it suits you – during the day, in the
evening or even on the weekend. They can even
approve your home loan on the spot if all necessary
information and documentation is provided.
*All home loan applications are subject to ASB’s normal Home Loan Lending
Criteria. An application fee, a low equity fee, compulsory risk insurance, registered
valuation and early repayment adjustments may also apply. Terms and Conditions
are available on request.
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Insurance
ASB offers excellent insurance packages underwritten
by New Zealand’s leading Insurance companies.
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Home, Contents, Private Motor Vehicle
and Travel policies at competitive premiums with a
number of worthwhile additional features. A range of
premium discounts are available. Please ask us
for details.
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FlexiLife – A lifestyle insurance product designed
to cover your loan repayments and protect you
and your family’s future in the event of illness,
redundancy or death.
The availability of any insurance cover is subject to your application being approved.
All applications are subject to individual consideration. Special conditions,
maximums, exclusions or premium loadings may apply. For full details, refer to
the relevant policy document which is available on request from any ASB branch.
FlexiLife is underwritten by Sovereign Assurance Company Limited.
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Business and Rural Banking
ASB puts great emphasis on arranging finance and
banking services to fit the individual needs of your
business or farm. Qualified Business and Rural
Managers located throughout the country provide
one-to-one service for their clients.
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ASB Korean Banking Contact Details
AUCKLAND CITY
Level 1
138-142 Queen Street
P.O. Box 105-057
Auckland, New Zealand
Telephone: (64) 9 375 1472
Facsimile: (64) 9 375 2859
Toll free line (within NZ): 0800 154 330
Email: koreanbanking@asb.co.nz
Website: www.asb.co.nz
AUCKLAND NORTH SHORE
41-45 Hurstmere Road
P.O. Box 33-240
Takapuna, Auckland,
New Zealand
Telephone: (64) 9 486 1032
Facsimile: (64) 9 488 2919
Email: koreanbanking@asb.co.nz
Website: www.asb.co.nz
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www.asb.co.nz
forour
information
on rates,
0800
803 804 for
Contact Centre,
24products
hours, 7 and
daysservices.
a week.
ASB Bank Limited 56440 1113 1006
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ASB Korean Banking

Transcription

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