Tertiary Pack

Save money on your banking while you’re studying with Kiwibank’s Tertiary Pack. We’ve put together a package to help you manage your everyday costs and make your money stretch as far as possible on the weekends.

Features:

  • No account management or transaction fees on your everyday accounts
  • Interest free overdraft of $1,000 in your first year and $2,000 in your second and subsequent years. There are no set up or change fees - you simply pay a $2 monthly facility fee
  • Low interest rate credit card with a $500 limit. No annual fee if you’re taking up a Kiwibank Credit Card for the first time, then $25 every six months after that
  • Free use of ATMs on university campuses
  • 5 free TXT banking messages per month
  • A flat account with no account management or transaction fees, and access for you and one other flatmate
  • You can get a Visa Debit Card, which works like a standard ATM/EFTPOS card but can be used online, over the phone, and overseas
  • No commission on foreign currency if you're heading overseas
  • Mobile services like TXT banking, mobile banking and mobile top-up.
  • Join online
  • Join on the phone
  • Join at a local Kiwibank

If you'd like an overdraft or a credit card, you can download and complete the Tertiary and Graduate overdraft and credit card application form (PDF 129KB) and take it to your local Kiwibank or send it to us at: Kiwibank Limited, Freepost 161688, Private Bag 39888, Wellington 5045.

Eligibility and entitlements

To be eligible for the Tertiary Pack, you must be studying full or part-time at a New Zealand University, Polytech or NZQA approved place of study for a minimum of one year. You must consent to receiving emails and texts from Kiwibank about great new offers and promotional stuff (without an unsubscribe facility). You can unsubscribe at any time by calling 0800 226 543.

To be eligible for a Kiwibank Low Rate MasterCard or interest free overdraft, you need to be aged 18 or over, be a permanent New Zealand resident, have a good credit history and have any income paid into your Kiwibank account.

You're entitled to the benefits of the Tertiary Pack for the length of your course, up to three years. If you're still studying after three years, you'll need to reconfirm your student status.

To be eligible for the flat account, you must have your personal banking with Kiwibank.

Tertiary ATMs


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Conditions

Other fees may apply. Download Kiwibank's Disclosure Statement or pick up a copy at your local Kiwibank.