As of 1 February 2021, we no longer offer the Tertiary Pack to customers.

Changes to the Tertiary Pack

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 Tertiary Pack, to provide simpler, more streamlined offerings that mean we can offer a better deal for more New Zealanders.

What do the changes mean for new customers?

You’ll no longer be able to apply for a Tertiary 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.

What do the changes mean for existing customers?

If you're currently on a Tertiary Pack, you won't be able to extend it past the agreed expiry date, but your benefits will continue until then.

Benefits for customers currently on a Tertiary Pack

  • No account management or transaction fee on your everyday accounts. Service fees apply.

  • Get a Low Rate Visa with a limit of up to $500. No annual account fee for the first year if you’re taking up a Kiwibank Credit Card for the first time.

  • Apply for a low rate and fee free overdraft of up to $1,000 in your first year and up to $2,000 in your second and subsequent years.

  • Get a Visa Debit Card with the $10 account fee waived while you’re on the Tertiary Pack.

Here to help

If you have any questions, you can send us a secure mail through our mobile app or internet banking, or you can give us a call on 0800 113 355.