Tertiary Pack

Save money on your banking while you’re studying with Kiwibank’s Tertiary Pack. It’s a complete package to help you manage your everyday costs, with an interest free buffer if you need it.

Features:

  • No account management or transaction fees on your everyday accounts
  • Interest free overdraft of $1,000 for your first year and $2,000 in your second and subsequent years. There’s no set up or change fees – just 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
  • It’s free to use any ATM on your university campus (even if it’s another bank’s)
  • Five free TXT banking messages a month
  • A flat account with no account management or transaction fees, with access and an ATM/EFTPOS card 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. We’ll even waive the annual fee for the first year
  • No commission on foreign currency if you’re heading overseas
  • Do your banking online, on your mobile or by TXT
  • Access to heaps!, our free personal finance software, to help track your spending.
  • Join online
  • Join on the phone
  • Join at a local Kiwibank

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.

If you’d like an overdraft or a credit card, you can download and complete the pdfTertiary and Graduate overdraft and credit card application form (PDF 225 KB) and take it to your local Kiwibank or send it to us at: Kiwibank Limited, Freepost 161688, Private Bag 39888, Wellington 5045.

Tertiary ATMs

  • Which ATMs can I use for free?

    University Campus location ATMs
    Auckland University Tamaki Campus ASB
      City Campus ASB
    National Bank
    Westpac
    BNZ
      Epsom Campus National Bank
    AUT Wellesley Street ANZ
      Akoranga ANZ
    Canterbury University   ASB
    National Bank
    ANZ
    Westpac
    BNZ
    Lincoln University Christchurch ASB
    Manukau Institute of Technology Auckland National Bank
    Massey University Palmerston North National Bank
    Westpac
    BNZ
      Albany National Bank
      Wellington National Bank
    Otago Polytechnic Dunedin Westpac
    University of Otago Dunedin National Bank
    ASB
    Westpac
    BNZ
    Unitec Auckland National Bank
      Mt Albert Campus National Bank
    Victoria University Kelburn Campus National Bank
    Westpac
    Waikato Institute of Technology Hamilton Westpac
      Avalon Campus BNZ
    Waikato University Hamilton ASB
    National Bank
    ANZ
    Westpac

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Conditions

Service fees may apply. Download Kiwibank’s pdfDisclosure Statement (PDF 172 KB) or pick up a copy at your local Kiwibank.