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 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 top it up each month.

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

Choose how you’d like to open your account based on the way you want to identify yourself.

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Opened immediately

If you’ve got Studylink, you’ve got RealMe®. Use it to open an account online and start using it straight away in Mobile and Internet Banking.

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New Zealand passport

Opened next business day

You can open an account using your current New Zealand passport and a desktop or mobile device

Illustration Branch

In person

Opened by appointment

Start your application online by leaving your details and we’ll get back to you to arrange a time to visit a BNZ store. You’ll need to take required ID along with 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.

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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

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.