Interest rates

Loans

Home loans
Current rates p.a.
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+ For all Bridging loans, the interest rate will be 1% above Kiwibank’s variable interest rate.

** This rate is the current capped variable rate limit for one year. More about capped rates.
Variable 5.65%+
Offset mortgage 5.50%
Capped 6.50%**
Revolving 5.65%
6 month fixed 5.65%
1 year fixed 5.65%
2 year fixed 5.79%
3 year fixed 6.10%
4 year fixed 6.50%
5 year fixed 6.90%
Personal loans
Current rates p.a.
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Personal loan From 14.99%
Personal loan - Kiwibank Home Loan customers From 11.95%
Vehicle finance
Current rates p.a.
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* You may be offered an unsecured loan at a different interest rate
Vehicle finance From 12.99% to 18.99% p.a.*

Investments

Online Call
Current rates p.a.
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* Rate includes bonus interest of 0.75%p.a. if no withdrawals are made within the calendar month.
$0 – $1,999 0.00%
$2,000+ 3.15%*
Notice Saver
Current rates p.a.
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Fees

There are no transaction, entry or management fees. An immediate withdrawal will incur an interest adjustment penalty. The amount of the penalty varies depending on the notice period, the current rate of return, and the amount you wish to withdraw.

  • Limits may apply for Business customers
  • Not available to financial institutions
Term $0 – $1,999$2,000+
32 days 0.00%4.10%
90 days 0.00%4.30%
Term Deposit
Current rates p.a.
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  • Maximum deposit $5,000,000 per customer
  • Rates not available to financial institutions

Specials:

Term Deposits | 4.40% p.a. for 150 days | Minimum $10,000

Interest paid at maturity
Term $1,000+$5,000+$10,000+$50,000+
30 days 0.00%2.75%2.75%2.75%
60 days 0.00%2.75%2.75%2.75%
90 days 2.00%3.25%3.30%3.30%
100 days 2.00%3.25%3.30%3.30%
120 days 2.00%3.30%3.40%3.40%
150 days 2.00%4.30%4.40%4.40%
6 months 2.00%3.80%3.90%3.90%
1 year 2.00%4.40%4.50%4.50%
2 years 2.00%4.70%4.80%4.80%
3 years 2.00%4.90%5.00%5.00%
4 years 2.00%5.30%5.40%5.40%
5 years 2.00%5.70%5.80%5.80%
Interest paid monthly
1 year 2.00%4.35%4.45%4.45%
2 years 2.00%4.60%4.70%4.70%
3 years 2.00%4.70%4.80%4.80%
4 years 2.00%4.95%5.05%5.05%
5 years 2.00%5.20%5.30%5.30%
Access Term Deposit
Current rates p.a.
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Fees

No account management or transaction fees. Early termination fees may apply if you break more than 20% of your initial deposit. The amount of the fee varies depending on the current interest rates and term length.

  • Maximum deposit $5,000,000 per customer
  • Rates not available to financial institutions
Interest paid at maturity
Term $1,000+$5,000+$10,000+$50,000+
2 years 2.00%4.70%4.80%4.80%
3 years 2.00%4.90%5.00%5.00%
4 years 2.00%5.30%5.40%5.40%
5 years 2.00%5.70%5.80%5.80%
Interest paid monthly
2 years 2.00%4.60%4.70%4.70%
3 years 2.00%4.70%4.80%4.80%
4 years 2.00%4.95%5.05%5.05%
5 years 2.00%5.20%5.30%5.30%
PIE Online Call*
Current rates
Effective rate
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* Minimum deposit $2,000

The effective rate takes into account the potential tax rate savings relative to interest earned on a direct investment that would otherwise be assessed at the top marginal tax rate (which is higher than the maximum tax rate on PIE returns). The effective rate may vary depending on the investor's personal taxation position.
Bonus return - earned if no withdrawals are made during the month (Class A) 3.15% p.a. 3.39% p.a. if you pay tax at the top marginal rate
Base return - earned if a withdrawal is made during the month (Class B) 2.40% p.a. 2.58% p.a. if you pay tax at the top marginal rate
PIE Term Deposit
Current rates
Effective rate
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The effective rate takes into account the potential tax rate savings relative to interest earned on a direct investment that would otherwise be assessed at the top marginal tax rate (which is higher than the maximum tax rate on PIE returns). The effective rate may vary depending on the investor's personal taxation position.

  • Current rates are earned if the minimum deposit is $10,000
  • Maximum deposit $5,000,000 per customer
  • Rates not available to financial institutions
90 days 3.30% p.a. 3.55% p.a. if you pay tax at the top marginal rate
100 days 3.30% p.a. 3.55% p.a. if you pay tax at the top marginal rate
120 days 3.40% p.a. 3.65% p.a. if you pay tax at the top marginal rate
150 days 4.40% p.a. 4.73% p.a. if you pay tax at the top marginal rate
6 months 3.90% p.a. 4.19% p.a. if you pay tax at the top marginal rate
1 year 4.50% p.a. 4.84% p.a. if you pay tax at the top marginal rate

Everyday banking

Now
Current rates p.a.
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$0+ 0.00%
Free Up
Current rates p.a.
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$0+ 0.00%
Front Runner
Current rates p.a.
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$0 – $3,999 0.00%
$4,000 – $14,999 1.50%
$15,000 – $49,999 1.50%
$50,000 – $99,999 2.25%
$100,000+ 3.15%
Bill Blaster
Current rates p.a.
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$0 – $99 0.00%
$100+ 0.50%
Fast Forward Saver
Current rates p.a.*
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* Rates include bonus interest of 1.00% p.a. if at least $20 is deposited, and no withdrawals are made, each calendar month.
$0 – $999 1.25%
$1,000 – $2,999 1.50%
$3,000 – $3,999 1.50%
$4,000+ 2.00%
First Saver
Current rates p.a.
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$0+ 2.50%
Back-up Saver
Current rates p.a.
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$0+ 1.00%
Overdrafts
Current rates p.a.
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Secured 12.90%
Authorised 16.90%
Unauthorised 22.00%

Credit cards

Go Fly Credit Cards
Current rates p.a.
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Purchases – $0+ 18.90%
Cash advances – $0+ 21.90%
Low Rate MasterCard
Current rates p.a.
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$0+ 12.90%
MasterCard Zero
Current rates p.a.
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$0+ 15.90%
MasterCard Gold
Current rates p.a.
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$0+ 16.90%

Foreign Currency Accounts

FX US $
Current rates p.a.
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$0 – $9,999 0.00%
$10,000 – $54,999 0.00%
$55,000+ 0.00%
FX GB £
Current rates p.a.
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£0 – £4,999 0.00%
£5,000 – £29,999 0.00%
£30,000+ 0.00%
FX EU €
Current rates p.a.
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€0 – €9,999 0.00%
€10,000 – €39,999 0.00%
€40,000+ 0.00%
FX AU $
Current rates p.a.
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$0 – $9,999 0.00%
$10,000 – $74,999 2.25%
$75,000+ 2.50%
FX JP ¥
Current rates p.a.
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¥0+ 0.00%

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Conditions

Kiwibank's terms and conditions and lending criteria apply