Saying goodbye to student life? Starting your first full–time job can be full on, with more responsibility and new expenses – but lots more cash!
Managing that cash well now could set you up for life. Make the most of schemes like KiwiSaver, Kiwibank’s Graduate Pack or any of our bank accounts, which can help you to get the most out of your money.
You’re earning more but new expenses like work clothes and travel can add up. Try to stick to a budget and pay off any debt, including student loans, as fast as you can.
With Kiwibank, you can choose accounts and services that meet the new needs that can come with starting work:
If you’re a recent graduate, you might be eligible for Kiwibank’s Graduate Pack. This can help save you money with:
If you’re over 18 when you start a new job, you’ll automatically be enrolled in a KiwiSaver scheme. Understanding all of the different parts of KiwiSaver can be confusing to begin with, with different investment options and fee structures. Check out our Kiwibank KiwiSaver Scheme. It offers choice of investment, easy access to your investment information and clear, upfront and easy to understand pricing.
To be eligible for the Graduate Pack, you must have successfully completed your studies at a New Zealand University, Polytech or NZQA approved place of study. To be eligible for a Kiwibank Low Rate MasterCard, personal loan or interest free overdraft, you need to be aged 18 or over, be a New Zealand resident and have any income paid into your Kiwibank account. Trustees Executors Limited is the Trustee of the Kiwibank KiwiSaver Scheme. Kiwibank Investment Management Limited is the Issuer and Manager of the Kiwibank KiwiSaver Scheme. Kiwibank Limited and each of its directors are Promoters of the Kiwibank KiwiSaver Scheme. Units in the Kiwibank KiwiSaver Scheme do not represent deposits or other liabilities of Kiwibank Limited. Download the Investment Statement for the Kiwibank KiwiSaver Scheme (PDF 1.3 MB) or pick up a copy from your local Kiwibank. Free Up is not available to companies, trusts or organisations. The Visa Debit Card is not available on all accounts.
Download Kiwibank’s Disclosure Statement (PDF 1.7 MB) or pick up a copy at your local Kiwibank.