Tertiary Plus is designed specifically for students studying full or part-time at a recognised New Zealand tertiary institution, with a minimum duration of at least one year.

With the Tertiary Plus Package you can get:

• An everyday account with no monthly account transaction or automatic payment fees
• National Bank eSaver. The perfect savings account to help you save for a special goal like a car or a holiday
• A Visa Debit or Cashpoint card - giving you easy access to your money
• A variety of ways to manage your money including Online Banking, Touchtone Phone Banking, and Mobile Phone Banking.

Plus you can apply for:

• An interest-free overdraft of up to $1000 in your first year of study, and up to $2000 in subsequent years – for unexpected costs and emergency expenses
• A personal loan of up to $5,000 with a discounted interest rate – to cover the costs of a car, PC or other things you may need as a student
• A Thoroughbred or Visa Classic credit card, with no annual account fee ($500 limit applies) – for those emergency purchases
• Affordable contents and car insurance with Base Protect insurance – so you’re protected if the unexpected occurs.

If you are an international student studying in New Zealand, check out our International Student Package.

Total borrowing under the Tertiary Plus Package must not exceed $5,000. Visa Debit is free for the first 12 months then has a fee of $10 p.a. You have up to 5 years to repay the personal loan and don’t need to provide any security.

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 The National Bank's financial advisers, please contact us on 0800 18 18 18.

Our lending criteria apply.

A copy of the Bank's Disclosure Statement under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any National Bank branch, free of charge.

An interest-free overdraft

For unexpected costs and emergency expenses an interest-free overdraft could be your best solution. You can apply for up to $1,000 in your first year of study, and up to $2,000 in subsequent years.

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. Apply online by completing and submitting a Loan Application.

A Credit card with no annual account fee

With the Tertiary Plus Package you can apply for a Thoroughbred Card or Visa Classic credit card with no annual account fee to pay ($500 limit applies).

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. Base Protect 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.

Ways to bank

There are loads of great ways to access your account and manage your money via Online Banking, Touchtone Phone Banking, Mobile Phone Banking, ATMs, EFTPOS and automatic payments which all cost less than going to a branch or writing a cheque. They also save you time.

Our lending criteria apply. Read our current disclosure statement

Apply online, call 0800 26 77 26 or ask a staff member at any branch of The National Bank.

• The Tertiary Plus Package is available to students studying full time or part time at a recognised New Zealand tertiary institution, with a minimum duration of at least one year.

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.

To help you organise your finances through your studies you can use our calculator to work out a personal budget.

You can also take advantage of our general tips to save on your banking and find out how to apply.

Our lending criteria apply. Read our current disclosure statement.