Feature	Student Account	Graduate Account (2026)
Monthly Fees	$0 (while studying)	$0 for 12–36 months post-grad.
Overdrafts	Small ($500–$1,000)	Tiered limits up to $2,000+ (interest-free).
Home Loan Perks	None	Bonus offset account links for your first home.
Credit Cards	Low approval rate	Pre-approved low-fee credit cards (income based).
Cashback	Standard student offers	"Professional Starter" cashback (e.g., tech/office gear).

Feature	Student Account	Graduate Account (2026)
Monthly Fees	$0 (while studying)	$0 for 12–36 months post-grad.
Overdrafts	Small ($500–$1,000)	Tiered limits up to $2,000+ (interest-free).
Home Loan Perks	None	Bonus offset account links for your first home.
Credit Cards	Low approval rate	Pre-approved low-fee credit cards (income based).
Cashback	Standard student offers	"Professional Starter" cashback (e.g., tech/office gear).

Feature	Student Account	Graduate Account (2026)
Monthly Fees	$0 (while studying)	$0 for 12–36 months post-grad.
Overdrafts	Small ($500–$1,000)	Tiered limits up to $2,000+ (interest-free).
Home Loan Perks	None	Bonus offset account links for your first home.
Credit Cards	Low approval rate	Pre-approved low-fee credit cards (income based).
Cashback	Standard student offers	"Professional Starter" cashback (e.g., tech/office gear).

Feature	Student Account	Graduate Account (2026)
Monthly Fees	$0 (while studying)	$0 for 12–36 months post-grad.
Overdrafts	Small ($500–$1,000)	Tiered limits up to $2,000+ (interest-free).
Home Loan Perks	None	Bonus offset account links for your first home.
Credit Cards	Low approval rate	Pre-approved low-fee credit cards (income based).
Cashback	Standard student offers	"Professional Starter" cashback (e.g., tech/office gear).