As you set out on your studies or apprenticeship, let our Tertiary Pack take care of your banking so you can concentrate on your learning.

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 $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.


  • To be eligible, you must be studying full or part-time at a New Zealand university, polytech, industry training organisation or NZQA approved place of study for a minimum of one year.
  • To be eligible for a Low Rate Visa or overdraft, you need to:
    • Be aged 18 or over
    • Be a permanent New Zealand resident
    • Have a good credit history; and
    • Have any income paid into your Kiwibank account.

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.