• 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
  • 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:

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 76.0 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
National Bank
Westpac
BNZ
Epsom Campus
National Bank

AUT

Wellesley Street
ANZ
Akoranga
ANZ
Epsom Campus
National Bank

Canterbury University

Christchurch
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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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 to your Kiwibank account. Service fees may apply. Download Kiwibank's Disclosure Statement (PDF 185.6 kB) or pick up a copy at your local Kiwibank.

To enter into the competition to win $200 you need to have applied for the Tertiary Pack before 31 March 2014. Winners will be drawn and notified by phone on Friday 4 April 2014. The winners will receive $200 deposited into their Kiwibank account. The judge's decision is final and no correspondence will be entered into. Employees and contractors of Kiwibank and New Zealand Post and their immediate families are not eligible to enter. By accepting the prize, the winner acknowledges that their name and photo may be used for publicity purposes.