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ANZ Graduate Package - Accounts

ANZ Graduate Package

Congratulations - you've graduated!

If a job is next on your career agenda, we can help to smooth the transition with a two-year graduate package. Take a look - you'll find some great ways to save on fees, as well as special deals on personal loans and overdrafts.

The ANZ Graduate Package is available to students who have graduated in the last 12 months. The course of study completed must have been on a full or part time basis for a minimum duration of one year at a Government recognised tertiary institution and/or in a NZ Qualifications Authority (NZQA) approved course and/or for a NZQA qualification relating to your job.

To be eligible for a credit card or any lending you must be aged 18 years or over and a permanent resident or citizen of New Zealand.

Application criteria

To apply for an ANZ Graduate Package you will need:

  • proof that you graduated in the past 12 months
  • to agree to pay any salary, wages or other income into your graduate account.

New ANZ customers

If you're a new ANZ customer, you will also need one of the following:

  • current photo identification such as your passport, driver's licence or another bank's credit card with photo
  • two kinds of non-photo personal identification, such as your birth certificate, another New Zealand bank's embossed debit or credit card or a club or society membership card.

If possible, you should provide six months of statements from your previous bank.

After you apply

If your application is approved, you must redirect your income into your ANZ Graduate Account.

Your ANZ Graduate Account offers some great savings to help ease you into working life.

Product information

Fees and charges
No account transaction or monthly administration fees.
Free withdrawal

Withdrawals are free via various channels:

  • Branch banking
  • ANZ and National Bank ATMs
  • EFTPOS
  • Personal cheque
Statements
Regular monthly statements available by mail.
Credit cards

You can apply for a pre-approved $1,000 ANZ VISA Classic or ANZ Standard MasterCard. Your first year's annual account fee is waived.

Access

Round the clock access via various channels:

Call charges for Phone Direct are waived for the duration of study.

Assistance
24 hour assistance is available from the ANZ Customer Service Call Centre on 0800 ANZ 2 YOU (0800 269 296).
Additional features

Optional cheque book available.

* Registration required.

An ANZ Overdraft is an additional feature that can be attached to your ANZ Graduate Account. It provides a financial safety net to cover any unexpected cash expenses. This product is ideal to help you bridge a gap between paydays or unforeseen expenses.

How it works

The ANZ Graduate Package Overdraft allows you to apply for an interest free overdraft up to $2,000 for two years. The overdraft application fee is waived for graduates but a credit facility fee of approximately $5 per month ($60 per annum) is payable. After the two years, the rate will revert to the prevailing ANZ Overdraft rate.

Transactions up to the approved overdraft limit made via all banking channels such as ATMs, EFTPOS, ANZ Phone Direct,* ANZ Internet Banking,* branches and cheques would be honoured.

Overdraft eligibility

To be eligible for an ANZ Graduate Package Overdraft, you must:

  • be 18 years or older
  • have all regular income direct credited to your account
  • have a good credit or savings history
  • be a permanent New Zealand resident.

Now that you're earning a living, you may be thinking of acquiring some of the "necessities" of life. If you need a financial helping hand, consider an ANZ Graduate Loan.

Product information

Loan amount
As a graduate, you may be able to borrow up to $10,000 (with minimum of $2,000) with the flexibility to repay for up to five years.
Purpose of loan
We will need to know why you want to borrow the money as part of your application process.
Loan approval fee
  • A loan approval fee of $200 applies.
  • Service fees and suspension fees are waived.
Loan top ups
You can top up your existing loan for a fee of $125.
Interest rates

You'll get a very attractive interest rate for the first two years from the date your loan is approved.

For the remaining three years you will pay the prevailing ANZ Personal Loan rate.

Terms and conditions

How to apply

For more information or to apply for an ANZ Graduate Package:

Apply online icon
Apply online
Telephone icon
Call 0800 ANZ 2 YOU (0800 269 296) 24 hours a day, seven days a week
Enquire online icon
Enquire online
Visit branch icon
Visit your nearest ANZ branch

ANZ lending criteria apply and credit facility fees apply to overdrafts. Fees apply if you exceed your overdraft limit. The Graduate Package including the interest free overdraft will apply for two years from the date you are moved onto the Graduate Account. After the two years, the overdraft rate will revert to the prevailing ANZ Overdraft rate. Service charges will apply when you use a non-ANZ/National Bank ATM.

For more information about our fees please refer to the Service Charges brochure (PDF 116kB) for a full list of charges that apply, for example honour fees/Automatic Payment establishment and amendment fees.

A copy of the Bank's General Disclosure Statement and the Bank's Disclosure Statement prepared under the Securities Markets Act 1988, is available on request from any ANZ branch, free of charge.

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