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 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 and the annual fee waived in your first year
  • Free use of ATMs on university campuses
  • 5 free TXT banking messages per month
  • A flat account with no monthly account or transaction fees and access for you and one other flatmate
  • No commission on foreign currency and Cash Passports if you're heading overseas
  • Mobile services like TXT 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 and are over 18, 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

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 Tertiary Pack benefits for the length of your course, up to three years, and after that you may qualify for our Graduate Pack. 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. To be eligible for the Graduate Pack, you must have successfully completed at least one year of full or part-time study at a New Zealand University, Polytech or NZQA approved place of study. Cash Passport is an unsecured debt security issued by Interpayment Services Limited, a member of the Travelex Group. The Cash Passport is not guaranteed by any member of the Travelex Group. A prospectus is available for the Cash Passport and this can be obtained online at www.travelex.co.nz.

Download Kiwibank's Disclosure Statement or pick up a copy at your local Kiwibank.