Graduate Pac

Want to keep your bank fees low? You won't pay fees on your everyday account and savings account.

Tips and tools for managing your money


Apply now

apply now icon Easy Access Graduate account
  > Download an Easy Access Graduate account application form
  Take this to your nearest Westpac branch. We’ll then arrange all your Graduate Pac accounts, cards and access.
  File won't open? Adobe Acrobat Reader.

Not eligible for Graduate Pac?

other options icon We also have bank accounts for:
  > students
  > international students
  > non-NZ residents
  > starting work

Contact us

email us icon
> email
> Westpac branches
  > phone 0800 400 600
(7am to 11pm,
7 days a week)

With your Westpac Graduate Pac, you could get
These bank accounts, finance options and access
an Easy Access bank account  
your choice of savings accounts  
a Westpac low-interest or standard credit card  
a Westpac Debitplus Visa card or a Westpac EFTPOS/ATM card  
24-hour banking with Online Banking  
You can add on
mobile banking and txt alerts  
car and renters' contents insurance  
membership of the Westpac KiwiSaver Scheme  
You could get a personal loan, credit card or overdraft *
apply for a personal loan of up to $10,000 at a preferential interest rate with five years to pay it back  
apply for credit of up to $2,000 that can be split between either a credit card (maximum credit card limit of $1,000) or an interest free overdraft  
You won't be charged for
Easy Access account maintenance charges  
Westpac ATM transaction fees  
EFTPOS transaction fees  
manual transactions  
graduate overdraft establishment fee  
online banking transfers and bill payments on your Easy Access account  
loading of new automatic payments and direct debits  
phone banking (first five calls each month)  
your first annual credit card account fee  
your first annual hotpoints fee  
To qualify for a Graduate Pac you'll need to
be a New Zealand resident  
have completed a full time course of study within the last 12 months  
have studied at least one semester (minimum 12 weeks)  
have studied at an NZQA accredited institution  
have your wage, salary or other income paid into your Westpac graduate account  
What will your bank fees be with Graduate Pac?
graduate overdraft facility: monthly fee $5; unapproved credit** $15 per month  
phone banking: 50c per call after the first five calls per month  
mobile banking and txt alerts: 25c per txt plus your mobile provider's usual txt charges  
using another bank's ATM: $1 per transaction  
amendments to automatic payments will incur a charge of $2 if made online or $5 if made over the phone or in branch  
** Charged on the last business day of the month.
Transaction and service fees are current as at 9 February 2012 and are subject to change. Some other service fees may apply from time to time. Separate service prices apply for the savings account.
Apply for your Graduate Pac now
> download an Easy Access Graduate account application form (PDF 95kB)
File won't open? Adobe Acrobat Reader.
* Westpac’s applicable lending criteria apply to all applications for finance.
Some other service fees may apply from time to time. Seperate fees apply for credit cards, a personal loan and savings accounts. You can get a copy of the current disclosure statement for Westpac New Zealand Limited or the investment statement for any product for which an investment statement is required, from any Westpac branch in New Zealand free of charge. Terms, conditions, limits and exclusions apply to insurance and more detail can be found in the relevant policy document. Graduate Pac Terms and Conditions apply.The information on this page is presented subject to our legal page and any other terms and conditions that Westpac may impose from time to time. It is subject to change without notification.
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