• Ways to bank
• Rates and fees
• Tools and calculators

Useful links

• Life events

  • Studying
  • Starting work
  • Buying a home
  • Enjoying your retirement
  • Going on holiday

• Manage your finances

  • Manage your finances using heaps!
  • Want to invest some money?
  • Need to borrow some money?
  • Managing your money
  • Tips to help you avoid penalty fees

Studying

Tertiary Pack

Kiwibank’s Tertiary Pack is chock–full of good stuff for students:

• Interest free overdraft of $1,000 in your first year and $2,000 in your second and subsequent years. With a monthly fee of just $2!
• Low interest rate credit card with a $500 limit
• Free use of ATMs on university campuses
• Five free TXT banking messages a month
• A flat account with no account management or transaction fees
• The choice of doing all your banking on your mobile phone.

Managing your money

Students famously make a little go a long way. We’ve come up with some really cool ways to help you manage your money on a shoestring.

• Bill payments: Use our Bill Blaster account to put money aside for expenses like rent, bills and loan repayments.
• Alerts: If you don’t like surprises at the checkout, you’ll love Alerts. Get a text or email as soon as important things happen in your account.
• Back–up Saver: The perfect partner to your Tertiary Pack. With a Back–up Saver, your money is on hand but you still earn interest. You can even personalise your account to help you save towards goals, like ‘Sam’s big OE’.

Your budget

Budgeting can be tricky, especially when you’re living on a student allowance. No matter what your income is while you’re studying, a budget will give you control over your finances.

Our online budgeting tool heaps! is free and easy to use, through internet banking. Use it to see where your money goes, set targets, and track your progress towards your goals. You can use it with your Tertiary Pack or Back–up Saver account.

Student loans and allowances

It pays to apply for student loans and allowances well ahead of time. You can apply online on the StudyLink website. Even if you get an allowance, think about working part–time or in your holidays. The less student debt you have, the better.

Find out about other ways to get money while you’re studying on the Sorted website.

Useful websites

• Student loans – Inland Revenue
• Student allowance – StudyLink
• Career Services
• Student job search

You may also be interested in:

• Youth accounts for under 18s
• Graduate Pack
• Loaded for Travel

Service fees may apply. 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 New Zealand resident and have all of your income paid into your Kiwibank account.

Download Kiwibank’s Disclosure Statement (PDF 1.7 MB) or pick up a copy at your local Kiwibank.