• No account management or transaction fees on your everyday accounts but service fees apply.
  • 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
  • A Low Rate MasterCard with a $500 limit. No annual fee for the first year if you’re taking up a Kiwibank Credit Card for the first time.
  • It’s free to use any ATM on university campuses (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.
Begin the join process:

Tertiary Pack Eligibility and entitlements

To be eligible for the Tertiary Pack, you must be studying full or part–time at a New Zealand University, Polytech, Industry Training Organisation or NZQA approved place of study for a minimum of one year.

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 Tertiary and Graduate Overdraft and credit card application form (PDF 72.3 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?

    Auckland University

    Tamaki Campus
    ASB
    City Campus
    ASB
    ANZ
    Westpac
    BNZ
    Epsom Campus
    ANZ

    AUT

    Wellesley Street
    ANZ
    Akoranga
    ANZ
    Epsom Campus
    ANZ

    Canterbury University

    Christchurch
    ASB
    ANZ
    Westpac
    BNZ

    Lincoln University

    Christchurch
    ASB

    Manukau Institute of Technology

    Auckland
    ANZ

    Massey University

    Palmerston North
    ANZ
    Westpac
    BNZ
    Albany
    ANZ
    Wellington
    ANZ

    Otago Polytechnic

    Dunedin
    Westpac

    University of Otago

    Dunedin
    ANZ
    ASB
    Westpac
    BNZ

    Unitec

    Auckland
    ANZ
    Mt Albert Campus
    ANZ

    Victoria University

    Kelburn Campus
    ANZ
    Westpac

    Waikato Institute of Technology

    Hamilton
    Westpac
    Avalon Campus
    BNZ

    Waikato University

    Hamilton
    ASB
    ANZ
    Westpac
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Other fees may apply. Download Kiwibank’s Disclosure Statement (PDF 270.4 kB) or pick up a copy at your local Kiwibank.