An account for students, grads and apprentices

Our YouMoney Tertiary account is designed to help you worry less about your money, so you can focus on your studies and career^.

   Interest-free overdraft
   No account or transaction fees^

Banking designed for you

Start using Apple pay

Make shopping even easier

With a BNZ Flexi Debit Visa you can have your money on-hand whenever you need it. You can use it to:

  • Pay with your phone using Apple Pay or Google Pay™
  • Shop online and overseas anywhere that excepts Visa
  • Get access to Visa’s exclusive entertainment offers
save

Save for now, and the future

Whether you’re saving for shoes, New Years, or that big OE, a Rapid Save account can help you save faster by rewarding you with bonus interest when you maintain or increase your savings balance each month and make no more than one withdrawal.

Plus, if you’re thinking about buying a house in the future, the BNZ KiwiSaver Scheme can help you save for a deposit. You could also be eligible for a KiwiSaver HomeStart grant from Housing New Zealand^.

Borrow extra

Borrow a little extra

Studying can be expensive. An interest-free overdraft^ can help take the pressure off so you don’t have to live off pasta and rice until your next payday - unless you really want to.

Overdraft limits:

  • $1,000 for first year students
  • $1,500 for second year students
  • $2,000 for third and subsequent year students and graduates.

Enquire about an overdraft

Opening an account is easy

Open an account online using RealMe, a New Zealand passport or New Zealand driver licence. You can also make an appointment at a BNZ branch.

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RealMe

Opened immediately

If you’ve verified your identity with RealMe® and we can verify your address, you can open an account online and start using it straight away in Mobile and Internet Banking.

Illustration Passport2

New Zealand passport

Opened next business day

You’ll take videos of you and your passport using your mobile or desktop device, and submit them online to verify your identity. When you’re finished, we’ll check the videos and get back to you.

Illustration Driverslicense

New Zealand driver licence

Opened next business day

You’ll take videos of you and your driver licence using your mobile or desktop device, and submit them online to verify your identity. When you’re finished, we’ll check the videos and get back to you.

mobile banking

Manage it your way

With our mobile banking app and internet banking^, you can personalise your accounts to help you stay motivated. Add nicknames, set goals, and use the drag and drop feature to pay your friends quickly.

Plus, you can top-up your prepay mobile,  set up automatic payments for bills, and use the calendar feature to avoid the shock of forgetting your rent is due.

app storegoogle play

Tips and guides

Life’s changing, but we’re here to help you get ahead of it.

life after study

Life after studying

The perks don’t end once you’ve graduated.

   Get an interest-free overdraft up to $2,000
   Consolidate your debt with a Low Rate Mastercard
  ​   Special interest rate on an Advanced Personal Loan^

Rates and fees at a glance

 
STUDENTS AND APPRENTICES
GRADUATES
Overdraft (interest free)

$1,000 limit for first year
$1,500 limit for second year
$2,000 limit for third and subsequent years

$2,000 limit

Personal loan

Borrow between $1,000-$5,000

Discounted interest rate of 12.65% p.a.

No facility fee

Borrow between $1,000-$15,000

Discounted interest rate of 12.65% p.a.

No facility fee

Note: Benefits for students, apprentices, and graduates will expire:

  • after five years, or
  • two years after graduating, or
  • if you discontinue your studying.