Graduates account packages

Read the important note at the foot of this page.

(for local tertiary students, see here >>> )

Account name

Graduate account

Graduate Account

Graduate Pack

Everyday Accounts

Graduate Plus package

Westpac

ATM / EFTPOS

free, no base fee.
(Non ANZ/NBNZ ATM fees may apply)

free, no base fee

free, no fees

free

-Free for 1st year.
-No charge to use National Bank or ANZ ATMs

Free, no fees (Non Westpac/Global Alliance fees may apply) ATM

Overdraft, interest free

-up to $2,000 until end of studies, interest free.
$5 per month -Overdraft Credit Facility Fee applies.

$2,000 in the 1st yr

$2,000 for the 1st yr only.
OD fee $2.00 per mth

up to $2,000.

Facility fee of $2 per month.

-Up to $2,000 for 1st yr.
-Min $3/mth overdraft management fee.
-Application fee applies.

$2,000 interest free (12 months) establishment fee free.
Overdraft Credit Facility Fee applies

Credit cards

-ANZ Visa Classic or Standard Mastercard. -Limit $1,000. No account acc. fee YR1.

choice of cards
1st yr fee waived

BNZ Classic Visa, Amex.
Master Card.
$2,000 credit limit
Choice of card designs.
Fly buy points.

Low Rate Master Card.
up to $1,000 credit limit.
1st year annual fee is waived,

-Thoroughbred
Card with CashBack Rewards or Visa Classic.
-No annual account fee for one year if taken up in 1st yr.

$1,000 card limit. 1st year annual fee waived, first annual Hotpoints fee is free

Personal loans

Up to $10,000 personal loan at concessionary rates.

yes, concessionary interest rate

$15,000 max.
no establishment fee

$15,000 max.

Up to $20,000 with a special discounted interest rate for up to 5 years.

Yes $10,000 limit standard credit conditions apply.

Fees

-$5 per month administration fee.
-TXT & M-banking charges apply

-no electronic or manual transactions fees (service charges apply)

cheque book facility for $1.00 per mth.

No account management or transaction fees on all everyday accounts

-No monthly account and transaction fees on current account for 1st year.
-Free Internet Banking for one year when taken up in 1st year.
-No Mobile Phone Banking monthly access fee for one year when taken up in 1st year

No monthly administration charges or transaction fees.
Free online banking transfers, bill payments or direct credit/debits.
Phone banking (first five calls each month are free).

.

Other ...

-Phone, internet, TXT and mobile phone banking available.
-Maximum term 2 yrs.
-Avail. to students who have recently graduated from their studies in the last 12 months.

-FastPhone banking
-Internet banking.
-Streamline Acc conversion.
-top-up prepaid at ATM.(from October 2008, the prepaid top-ups are only available for Vodafone customers. )

Phone banking.
Internet banking.
MyMoney or SmartMoney conversion after 24 mths.

5 free TXT banking messages per month

Full access to phone, internet, TXT and mobile banking.

-Can take up package anytime within 2 yrs of successfully completing full-time study.
-Affordable car and contents insurance,
-Phone banking.
-Txt-banking.
-Mobile phone banking.
-Kiwisaver.
e-Saver - pays Premium interest.
-OE package.
-Online calculators.
-Home Buyers Centre.

- Debitplus Card - buy online/over the phone/instore with credit card functionality attached to your transaction account.
- Free on-line savings account.
- Mobile banking 10 free txt p/m.
- Car and renters contents insurance.

IMPORTANT: The details on this page are a summary for readers' initial reference only. Eligibility and lending creiteria will apply. Before agreeing to any contract or purchase, you should always get and read the full information from the institution. Full details of terms, conditions and fees is available from any bank branch. You should always request them.

	ANZ	ASB	BNZ	Kiwibank	National	Westpac
Read the important note at the foot of this page.
(for local tertiary students, see here >>> )
(for international students, see here >>> )
Account name	Graduate account	Graduate Account	Graduate Pack	Everyday Accounts	Graduate Plus package	Westpac

ATM / EFTPOS	free, no base fee. (Non ANZ/NBNZ ATM fees may apply)	free, no base fee	free, no fees	free	-Free for 1st year. -No charge to use National Bank or ANZ ATMs	Free, no fees (Non Westpac/Global Alliance fees may apply) ATM

Overdraft, interest free	-up to $2,000 until end of studies, interest free. $5 per month -Overdraft Credit Facility Fee applies.	$2,000 in the 1st yr	$2,000 for the 1st yr only. OD fee $2.00 per mth	up to $2,000. Facility fee of $2 per month.	-Up to $2,000 for 1st yr. -Min $3/mth overdraft management fee. -Application fee applies.	$2,000 interest free (12 months) establishment fee free. Overdraft Credit Facility Fee applies

Credit cards	-ANZ Visa Classic or Standard Mastercard. -Limit $1,000. No account acc. fee YR1.	choice of cards 1st yr fee waived	BNZ Classic Visa, Amex. Master Card. $2,000 credit limit Choice of card designs. Fly buy points.	Low Rate Master Card. up to $1,000 credit limit. 1st year annual fee is waived,	-Thoroughbred Card with CashBack Rewards or Visa Classic. -No annual account fee for one year if taken up in 1st yr.	$1,000 card limit. 1st year annual fee waived, first annual Hotpoints fee is free

Personal loans	Up to $10,000 personal loan at concessionary rates.	yes, concessionary interest rate	$15,000 max. no establishment fee	$15,000 max.	Up to $20,000 with a special discounted interest rate for up to 5 years.	Yes $10,000 limit standard credit conditions apply.

Fees	-$5 per month administration fee. -TXT & M-banking charges apply	-no electronic or manual transactions fees (service charges apply)	cheque book facility for $1.00 per mth.	No account management or transaction fees on all everyday accounts	-No monthly account and transaction fees on current account for 1st year. -Free Internet Banking for one year when taken up in 1st year. -No Mobile Phone Banking monthly access fee for one year when taken up in 1st year	No monthly administration charges or transaction fees. Free online banking transfers, bill payments or direct credit/debits. Phone banking (first five calls each month are free). .

Other ...	-Phone, internet, TXT and mobile phone banking available. -Maximum term 2 yrs. -Avail. to students who have recently graduated from their studies in the last 12 months.	-FastPhone banking -Internet banking. -Streamline Acc conversion. -top-up prepaid at ATM.(from October 2008, the prepaid top-ups are only available for Vodafone customers. )	Phone banking. Internet banking. MyMoney or SmartMoney conversion after 24 mths.	5 free TXT banking messages per month Full access to phone, internet, TXT and mobile banking.	-Can take up package anytime within 2 yrs of successfully completing full-time study. -Affordable car and contents insurance, -Phone banking. -Txt-banking. -Mobile phone banking. -Kiwisaver. e-Saver - pays Premium interest. -OE package. -Online calculators. -Home Buyers Centre.	- Debitplus Card - buy online/over the phone/instore with credit card functionality attached to your transaction account. - Free on-line savings account. - Mobile banking 10 free txt p/m. - Car and renters contents insurance.

IMPORTANT: The details on this page are a summary for readers' initial reference only. Eligibility and lending creiteria will apply. Before agreeing to any contract or purchase, you should always get and read the full information from the institution. Full details of terms, conditions and fees is available from any bank branch. You should always request them.