Notice Saver features

The best of a Term Deposit and Savings Account

90 days’ notice

4.15% p.a.

Minimum balance $2,000
90 days’ notice

32 days’ notice

4.00% p.a.

Minimum balance $2,000
32 days’ notice

Notice Saver

Kiwibank’s Notice Saver is a New Zealand first - it gives you better returns than a savings account, without your funds being locked away.

You can add money to your investment whenever you like, then just give us notice when you need to withdraw some or all of it.

  • Deposit money any time
  • No set term – withdraw money by giving 32 days’ or 90 days’ notice. You choose the notice period when you set up your Notice Saver
  • Choose to have your returns either compounding or paid out monthly
  • PIE compliant so you can benefit from greater after-tax returns, if you pay tax at 30% or 33%.
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It’s a brand new way to save

Compare to Term Deposits & Savings Accounts - Notice Saver

Notice Saver features

  • Earn a better return than a Kiwibank online call or savings account
  • Deposit money at any time
  • No set term - withdraw some or all of your money whenever you like by giving either 32 days’ or 90 days’ notice (you choose the notice period when you set up your Notice Saver)
  • Choose to have your returns either compounding or paid out monthly
  • Deposits and withdrawals can be made via internet banking, at your local Kiwibank, or by phone
  • Minimum investment $2,000
  • PIE compliant so you can benefit from greater after-tax returns, if you pay tax at 30% or 33%
  • No account management or transaction fees.

What’s it good for?

Kiwibank’s Notice Saver is perfect if you’re 18 or older and are:

  • Saving for a goal and know when you’ll need to access the money
  • Building up funds before transferring them into a higher return investment
  • Currently in a term deposit but would like better access to your money, and still get a higher return.

For example:

  • I’m thinking of buying a house in the next 6 to 12 months
    You can keep adding to your house savings while you’re looking for your new home. When you think you’re getting close to making an offer on a house, just log in to internet banking and give notice for your withdrawal. The date your money will become available will be displayed in internet banking, and on that date the money will be transferred to your nominated account.
  • I want to keep some flexibility in my investment portfolio
    You can put some of your funds into term deposits, managed funds or other longer term investments, and put a portion into a Notice Saver so it’ll keep earning a great rate, but you can access it whenever you like, with 32 days’ or 90 days’ notice.

For more information, check out our FAQs.

Kiwibank Notice Saver returns are not fixed. Kiwibank Notice Saver is a Portfolio Investment Entity (PIE). Units in Kiwibank PIE Online Call Fund, Kiwibank PIE Term Deposit Fund and Kiwibank Notice Saver are distributed by Kiwibank Limited and are issued by Kiwibank Investment Management Limited. Download the pdfInvestment Statement for Kiwibank PIE Online Call Fund, Kiwibank PIE Term Deposit Fund and Kiwibank Notice Saver (PDF 268 KB) or pick up a copy from your local Kiwibank. Download pdfKiwibank’s Investment Statement for Term Deposits (PDF 847 KB) or pick up a copy from your local Kiwibank.

A copy of the Kiwibank PIE Unit Trust Prospectus, which was registered on 13 December 2012, can be found at www.business.govt.nz/companies under "Kiwibank Investment Management Limited – Documents".