Congratulations on completing your studies! Our Graduate Pack will help you manage your money while you move from student life to your new career.

Key features and benefits

  • 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.


  • To be eligible, you must have successfully completed a qualification requiring at least one year of full or part-time study at a New Zealand university, polytech or NZQA approved place of study. You’re entitled to the benefits of the Graduate Pack for up to two years after you successfully complete your studies and after that, Kiwibank’s standard rates and fees will apply.
  • To be eligible for a Low Rate Visa, personal loan or overdraft, you need to:
    • Be aged 18 years or over
    • Be a permanent New Zealand resident
    • Have a good credit history; and
    • Have any income paid into your Kiwibank account.
  • To be eligible for the flat account, you must have your main transaction account with Kiwibank.

Apply now

Studying isn’t cheap, so we’ve made sure our accounts for students and recent graduates are.


If you'd like someone to contact you about our student accounts, please fill in our online form.

Enquire now

Talk to us

You can visit us in branch or call 0800 113 355 if you have any questions or would like to us about your options.

Find your nearest Kiwibank

If you’re opening a new account with Kiwibank, we'll need to verify your identity and address. You can do this online if you have a RealMe verified identity. Otherwise, you’ll need to bring acceptable forms of ID and proof of address to your nearest Kiwibank. Please give us a call to book an appointment before you visit.

Do your banking on the go

Get it all done online, no matter where you are, with our iPhone and Android mobile app.