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.

Mobile banking image text download app 1x

Manage it your way

With the BNZ 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.