Congratulations - you've graduated!

If a job is next on your career agenda, we can help to smooth the transition with a one-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 or another New Zealand bank's embossed debit or credit 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:

Statements
Regular monthly statements available by mail.
Credit cards

You can apply for a $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 one year. 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 one year, 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 $20,000 (with minimum of $1,000) 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 $250 applies.
  • Service fees and suspension fees are waived.
Loan top ups
You can top up your existing loan for a fee of $150.
Interest rates

You'll get a very attractive interest rate

Terms and conditions

How to apply

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

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 one year from the date you are moved onto the Graduate Account. After the one year, 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 256kB) 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 under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any ANZ branch, free of charge.  This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008.  It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.

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