Whichever career path you follow, Graduate Plus can help you get on your feet. It's a combination of products and services in a special package available for up to five years after you graduate.
The information provided is current for customers who have taken up the package from 1 August 2008. For customers who took up the package prior to 1 August 2008, your package hasn't changed. You can find out about your package and what fees and charges you will be charged.
Graduate Plus offers you:
Graduate Plus is available to New Zealand citizens or permanent residents who have successfully completed full-time study at a recognised tertiary institution within the last two years, providing your income is paid into your National Bank everyday account.
We can help you to organise your money with calculators to work out how to make the most of your new income. And when you're ready, we can help you plan and save for your future. We can also help you manage your accounts if you are looking to travel overseas. Just contact us.
You can also take advantage of our general tips to save on your banking.
Notes for the Current AccountThere are no everyday account monthly account or transaction fees for the first year of your Graduate Plus package.
More information on non-standard fees which apply to this account
At the end of your first year on Graduate Plus package we'll recommend which of the following fee options best suits the way you use your account. You can also check out how to get the best from your account.
Rates
|
| Everyday account - no credit interest paid. |
Fees
|
| National Bank Freedom |
| →Monthly Account fee Refunded if you deposit at least $2,500 into the account each month* |
$5.00 |
| →Automated transaction fee |
Nil |
| →Manual transaction fee |
Nil |
| →Monthly overdraft management fee (Calculated as a percentage of the agreed overdraft limit or the overdrawn balance - whichever is the greater). |
0.12% (min $5.00) |
|
*Deposits exclude transfers made between any of your National Bank accounts. Your monthly account fee may not be refunded until the beginning of the following month.
|
|
|
| National Bank Classic |
| →Monthly Account fee |
Nil |
| →Automated transaction fee |
$0.40 |
| →Manual transaction fee |
$0.80 |
| →Monthly overdraft management fee (Calculated as a percentage of the agreed overdraft limit or the overdrawn balance - whichever is the greater.) |
0.12% (min $5.00) |
|
|
Notes
Automated transactions include EFTPOS, Mobile Phone Banking, money machine transactions, automatic payments, bill payments, direct debits, direct credits, and also include transactions made through touchtone phone banking and Online Banking.
The automated withdrawal fee still applies for Automatic Payments.
Manual transactions include cheques and transactions handled by our staff at a branch or by phone. (Please note that balances and basic account enquiries at a branch are free).
Service and access fees (non-standard fees) may apply in addition to any fees stated above.
There are three ways to apply:
1. Apply online2. Come into any National Bank branch3. Call us on 0800 26 77 26
We can open your Current account and have it available at the branch nearest to where you're working. It will save time if you have these items when you apply (if you're applying online we'll arrange a time for you to bring them into a branch for verification).
If you are an existing National Bank customer all you need is:
- Evidence of graduation or successful completion of studies in the last 2 years
- Proof of New Zealand Residency of New Zealand Passport
- Evidence of income (e.g. payslip or letter from employer) or how you will be funding your account.
If you are applying for a Graduate Personal Loan online - just complete and submit an online application
If you are new to The National Bank, in addition to the above, you will also need:
- Identification with a photo (e.g. driver's licence, passport, or credit card) or two forms of non-photographic ID (e.g. credit card, cash card)
- Your IRD number
- Previous three months' bank statements (Online Banking statements are acceptable) if you're applying for an overdraft, personal loan or credit card. You must be 18 years or older to apply for lending products
- Verification of your address (e.g. power bill, previous bank statement).
Our normal lending criteria apply. Read our general and our prepared under the Securities Markets Act 1988.