Rates and fees at a glance
STUDENTS AND APPRENTICES |
GRADUATES |
|
Arranged Overdraft (interest free) |
$1,000 limit for first year |
$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.

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.