Starting your first full–time job means you’ll be dealing with more money than you might be used to. Managing that cash well can make life easier now and down the track, and we can help.
If you’d like to talk through any of the options, give us a call or send us an email. We can help you on the spot or arrange an appointment for you to talk to someone face-to-face at your nearest Kiwibank.
Do you have the right type of account for you? It’s worth checking out what account you are on and whether there is another that may suit you better.
If you’re a recent graduate, you might be eligible for Kiwibank’s Graduate Pack. This can help save you money with:
Budgeting can be a tricky business, but it’s crucial when you’re first starting work. A budget puts you in control, and helps you figure out how much you’ll need tomorrow, next week or next month.
Our online budgeting tool, heaps!, is free and easy to access through internet banking. It helps you see what you’re spending your money on, and you can set targets and track how you’re going against your goals. You can use it with any of your accounts including your Tertiary Pack or Back–up Saver account. You can even use it you’re not a Kiwibank customer.
For loads of useful information and other handy stuff, check out Sorted. Sorted has different tools to help you with all areas of your financial life.
More money means you can buy and do the stuff you want, but it also means you can start saving – for bigger stuff (like overseas trips or a home) or for your future.
It might seem like ages away, but thinking about your retirement now can set you up for the future. It’s not just about surviving day-to-day, it’s about getting to do the things you love. There are a few ways we can help you with savings, planning, and your retirement.
Sometimes you might need a little bit of extra money. Before you commit to any debt – whether it’s a hire purchase, an overdraft or a personal loan, you can work out how much your debt will cost you by checking out the Sorted debt calculators.
If you’re thinking of getting a credit card, we can help you find the best option for you. Check out our online video guide for answers to your top credit card questions.
Download Kiwibank’s Disclosure Statement (PDF 321 KB) or pick up a copy at your local Kiwibank.
To be eligible for the Graduate Pack, you must have successfully completed your studies at a New Zealand University, Polytech, Industry Training Organisation or NZQA approved place of study. To be eligible for a Kiwibank Low Rate MasterCard, Air New Zealand Low Fee 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.
Kiwi Wealth Limited (formerly called Gareth Morgan KiwiSaver Limited) is the Issuer and Manager of the Kiwi Wealth KiwiSaver Scheme (formerly called the Gareth Morgan KiwiSaver Scheme) and is a related company of Kiwibank Limited. Kiwibank is a distributor but is not an issuer or promoter of the Scheme. The Investment Statement for the Scheme is available from kiwiwealth.co.nz. Investments made in the Scheme do not represent bank deposits or other liabilities of Kiwibank and neither they nor any other person guarantees the repayment of members’ interests in the Scheme or the payment of any earnings or returns on investment in the Scheme. Investments in the Scheme are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances and loss of investment value.
Free Up is not available to companies, trusts or organisations. The Visa Debit Card is not available on all accounts.
Air New Zealand’s Airpoints programme terms and conditions apply, visit airnewzealand.co.nz/airpoints for details. Airpoints Dollars is Air New Zealand’s registered trademark and is Air New Zealand’s Airpoints programme currency.