As of 1 February 2021, we no longer offer the Graduate Pack to customers.
As we look to the future, we’re focusing our efforts on where we can make the biggest difference in banking for our customers. As we review our products and services, we're moving away from exclusive packages, which includes the Graduate Pack, to provide simpler, more streamlined offerings that mean we can offer a better deal for more New Zealanders.
You’ll no longer be able to apply for a Graduate Pack. However, we offer some great banking products, including our Free Up everyday account that has no account management or transaction fees – perfect if you like to bank online. You can also apply for a Low Rate Visa, which offers our lowest interest rate on purchases.
If you're currently on a Graduate Pack, you won't be able to extend it past the agreed expiry date, but your benefits will continue until then. Graduate Pack customers with established personal loans keep the agreed rate until the term of their loan expiry date.
No account management or transaction fee on your everyday accounts. Service fees apply.
Get a Low Rate Visa with a limit of up to $1,000. No annual account fee for the first year if you’re taking up a Kiwibank Credit Card for the first time.
Apply for our low rate and fee free overdraft of up to $2,000.
Get a personal or car loan from $2,000 to $15,000 at a special interest rate of with no establishment fee.
Get a flat account with no account management or transaction fee with a Visa Debit Card or an EFTPOS card for you and one other flatmate.
Standard terms and conditions
Lending criteria, credit limits, terms and conditions, and fees apply. See all credit cards terms and conditions and personal loans and overdrafts terms and conditions.
Personal loans are provided by Latitude Financial Services Limited (“Latitude”). Kiwibank receives a commission for referring a personal loan to Latitude. Latitude’s lending criteria, terms and conditions and fees apply.