Tertiary Plus is a mix of banking products and services designed specifically for students studying full or part-time*. The package will give you a good steer on how best to manage your money and take control of your finances.
With Tertiary Plus you can apply for:
- An everyday account with no monthly account transaction or automatic payment fees
- Cashpoint card - giving you easy ways to manage your money including access to money machines, EFTPOS & touchtone phone banking and Online Banking
- Mobile Phone Banking
- National Bank eSaver. Save your goal from being invaded by impulse buys with Savings Invaders
- Interest-free overdraft on application of up to $1000 for your first year of study, and up to $2000 for your remaining years on the package
- $5,000 personal loan
- Thoroughbred Card or Visa Classic credit card, with no annual account fee
- Affordable contents and car insurance with Base Protect insurance.
Please Note: Total borrowing under the Tertiary Plus package must not exceed $5,000.
To help you organise your finances through your studies you can use our calculator to work out a personal budget.
You can also check out how to get the best from this account, take advantage of our general tips to save on your banking and find out how to apply.
If you are an international student studying in New Zealand, check out our International Student Package.
An interest-free overdraft
For unexpected costs and emergency expenses a Tertiary Plus overdraft could be your best solution.
You can apply for an overdraft of up to $2,000.
A $5,000 loan
To cover the costs of a car, a PC or other things you may need as a student, you can apply for a loan of up to
$5,000. You can take up to 5 years to repay the loan and you don’t need to provide any security. Loan
protection insurance is highly recommended and may be required by the Bank in some instances. Total lending
on the Tertiary package may not exceed $5,000 including any overdraft
lending. Apply online by completing and submitting a Loan Application.
A Credit card with no annual account fee
With Tertiary Plus you can apply for a
Thoroughbred Card
or Visa Classic
with no annual account fee to pay.
Base Protect contents and car insurance
Think how disastrous it could be if someone stole your computer, your bike, clothes or stereo. Contents
insurance is what you need, but many insurers don’t like offering it when you’re flatting. Tertiary Plus
solves all that. It makes it easy to get your personal belongings insured - at affordable rates. We also offer car insurance
at an affordable price. You can choose
to pay for your insurance annually or spread the cost by paying monthly or fortnightly.
Getting the most from Tertiary Plus
Use automated banking. Money machines, EFTPOS, automatic payments, touchtone phone banking and Online Banking all cost
less than going to a branch or writing a cheque. They also save you time.
We also have a number of general tips to help you
save on your banking.
Taking control of your finances
You can enter your own details in the Budget Planner to get
your finances organised, while the Savings Calculator can help you
work out a savings plan to meet your goals.
Apply online, call 0800 26 77 26 or ask a staff member at any branch of The National Bank.
- Tertiary Plus is available to students, who are permanent New Zealand citizens or residents. The Tertiary Plus full-time account is available to students studying full-time for a course with a minimum duration of one year at a recognised tertiary institution. The Tertiary Plus part-time account is available to students enrolled in an NZQA accredited course and under 25 years of age.
Take the first step and print out a Tertiary Plus Application Form, complete it and take it into any branch.
You will need to provide:
- Some form of identification with a photo or two non-photographic forms of ID (e.g. driver's licence, passport or student ID card).
- IRD number.
- Evidence of enrolment at your chosen tertiary institution (e.g. pre-enrolment, fees receipt or letter of acceptance).
- Previous bank statements if you have an account with another bank (i.e. bank statements for the last three months).
- Confirmation of your student loan entitlement, or Student Allowance, or proof of other income (e.g. pay slip for part-time work).
- Verification of address (e.g. utility bill, previous bank statement).
If you are an existing Tertiary Plus customer, applying for a Tertiary Loan online is easy. Just complete and submit a Loan Application.
Our lending criteria apply. Read our current .