Key features & benefits
Rates of return are subject to change.
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No account management or transaction fees
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Add money whenever you like and leave it in your account for as long as you like
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Can be opened at any age with no minimum balance
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Make a withdrawal by giving either 32 or 90 days notice
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Notice Saver is a PIE investment
How it works
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Notice period for withdrawals
To withdraw your money, simply make a transfer as normal. The date for transfer will be automatically set for 32 or 90 days later, depending on the option you've chosen.
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How returns are paid
Choose to have your returns paid back into your Notice Saver (compounded) or paid monthly to your nominated account.
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Keep saving
You can add money to your Notice Saver account whenever you like and can transfer money in from other Kiwibank accounts using internet or mobile banking.
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No set investment period
There’s no set investment period and you can make a withdrawal at any time - you just need to give us the agreed amount of notice to withdraw your money.
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Manage your account
Open and manage your Notice Saver account using internet banking or our mobile app, including set up or cancel transfers. In internet banking you can also change how your returns are managed.
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Withdrawing money early
We understand that circumstances can change and you may need to request an immediate withdrawal. In this case, an immediate withdrawal charge will apply. See our guide for more information and how the withdrawal charge is calculated.
PIE Fund
Notice Saver is a fund within a Portfolio Investment Entity (PIE), which could have tax advantages for you. Usually you’d pay your regular income tax on interest earned on savings accounts, which could be up to 39%. With a PIE, the maximum tax you’ll pay on the returns you earn is 28% – meaning you could keep more of your return in your pocket.
Is a Notice Saver account right for you?
Notice Saver enables you to regularly build your savings and pop them aside from day to day temptation. However you should consider if you’ll need your money before your notice period is applied as immediate withdrawal charges may apply. One of our savings accounts may be more suitable if you do.
Apply now
If you’re keen to build your nest egg with a Notice Saver account, you can apply or open online.
- If you're new to Kiwibank, you'll need to join Kiwibank first. The fastest way to do this is by joining online.
- If you already bank with us, open a Notice Saver account using our mobile app or internet banking.
New to Kiwibank?
Welcome! Complete our online application form to join Kiwibank. From there you can open your new savings and investment account.
Join nowAlready a Kiwibank customer?
Log in to internet banking and go to Apply & Open to make it happen.
Log in to Internet BankingWant to talk through options?
No problem, the easiest way to apply is to complete our form and an investment specialist will call you.
Apply nowIf you're a business banking customer, find out more about opening a business account.
Other options you may be interested in
Standard terms and conditions
Interest rates are subject to change. The rate of return for Notice Saver can change at any time and without notice. This means the rate might go up or down during your investment.
Units in Kiwibank Notice Saver are issued by Kiwibank Investment Management Limited and are distributed by Kiwibank Limited.
See all investments terms and conditions or pick up copies from your nearest Kiwibank.
This communication contains general information only and not investment or tax advice, and as such you shouldn't rely on it as the sole basis for any financial decision. Potential investors should seek professional advice as to whether an investment is right for them, including the taxation implications of such an investment.
Retail products aren't available to financial institutions or wholesale customers.