Sign up for our Tertiary Pack before 14 August 2016 and you could win $200 to kick-start your journey to independence. There are 100 chances to win! If you’re already on our Tertiary Pack you’re automatically in the draw. Ts&Cs apply.

Pick which account features are best for you

  • No account management or transaction fees on your everyday accounts but service fees apply
  • You can apply for an interest free overdraft of up to $1,000 for your first year and up to $2,000 in your second and subsequent years. There’s no set up or change fees – just a $2 monthly facility fee
  • You can apply for a Low Rate MasterCard® with a limit of up to $500. 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)
  • Free TXT banking. Your mobile provider may charge you TXT messaging costs for sending TXTs
  • 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 waive the $10 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
  • A Loaded™ for Travel card, helps you spend like a local online or overseas. Load it up with foreign currency when the exchange rates are looking good. We’ll waive the $12 set up fee.
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 639.1 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
    BNZ
    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 187.7 kB) or pick up a copy at your local Kiwibank.

Kiwibank reserves the right to amend these promotion terms and conditions at any time.

Tertiary Pack prize draw terms and conditions

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. There are 100 prizes of $200 cash to be won in the Tertiary Pack prize draw. To qualify for the Tertiary Pack prize draw you must be a Kiwibank Tertiary Pack customer with an active Kiwibank Tertiary Pack account as at 14 August 2016. Eligible customers will be automatically entered into the draw. The prize draw will take place on 19 August 2016. The prize of $200 will be deposited into each of the 100 different winners Kiwibank everyday accounts on or before 12 September 2016. Winners will be notified by phone or mail. 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 win.