| Home loans |
Current rates p.a. Show |
|---|---|
|
+ For all Bridging loans, the interest rate will be 1% above Kiwibank’s variable interest rate. |
|
| Variable | 5.65%+ |
| Offset mortgage | 5.50% |
| Capped | 6.50%** |
| Revolving | 5.65% |
| 6 month fixed | 5.65% |
| 1 year fixed | 4.99%* |
| 2 year fixed | 5.55% |
| 3 year fixed | 5.75% |
| 4 year fixed | 6.10% |
| 5 year fixed | 6.50% |
| Personal loans | Current rates p.a.
Show |
|---|---|
| Personal loan | From 14.99% |
| Personal loan - Kiwibank Home Loan customers | From 11.95% |
| Vehicle finance | Current rates p.a.
Show |
|---|---|
|
* You may be offered an unsecured loan at a different interest rate |
|
| Vehicle finance | From 12.99% to 18.99% p.a.* |
| Online Call |
Current rates p.a. Show |
|---|---|
|
* 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. Show |
|
|---|---|---|
FeesThere 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.
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| Term | $0 – $1,999 | $2,000+ |
| 32 days | 0.00% | 4.10% |
| 90 days | 0.00% | 4.30% |
| Term Deposit | Current rates p.a. Show |
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|---|---|---|---|---|
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Specials:Term Deposits | ||||
| 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% | 3.20% | 3.30% | 3.30% |
| 150 days | 2.00% | 3.50% | 3.60% | 3.60% |
| 6 months | 2.00% | 4.40% | 4.50% | 4.50% |
| 200 days | 2.00% | 4.20% | 4.30% | 4.30% |
| 1 year | 2.00% | 4.40% | 4.50% | 4.50% |
| 2 years | 2.00% | 4.60% | 4.70% | 4.70% |
| 3 years | 2.00% | 4.90% | 5.00% | 5.00% |
| 4 years | 2.00% | 5.15% | 5.25% | 5.25% |
| 5 years | 2.00% | 5.40% | 5.50% | 5.50% |
| Interim Interest options | ||||
| 1 year | 2.00% | 4.35% | 4.45% | 4.45% |
| 2 years | 2.00% | 4.50% | 4.60% | 4.60% |
| 3 years | 2.00% | 4.70% | 4.80% | 4.80% |
| 4 years | 2.00% | 4.80% | 4.90% | 4.90% |
| 5 years | 2.00% | 4.90% | 5.00% | 5.00% |
| Access Term Deposit | Current rates p.a. Show |
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|---|---|---|---|---|
FeesNo 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.
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| Interest paid at maturity | ||||
| Term | $1,000+ | $5,000+ | $10,000+ | $50,000+ |
| 2 years | 2.00% | 4.60% | 4.70% | 4.70% |
| 3 years | 2.00% | 4.90% | 5.00% | 5.00% |
| 4 years | 2.00% | 5.15% | 5.25% | 5.25% |
| 5 years | 2.00% | 5.40% | 5.50% | 5.50% |
| Interim Interest options | ||||
| 2 years | 2.00% | 4.50% | 4.60% | 4.60% |
| 3 years | 2.00% | 4.70% | 4.80% | 4.80% |
| 4 years | 2.00% | 4.80% | 4.90% | 4.90% |
| 5 years | 2.00% | 4.90% | 5.00% | 5.00% |
| PIE Online Call* | Current rates |
Effective rate Show |
|---|---|---|
|
* Minimum deposit $2,000 |
||
| Bonus return - earned if no withdrawals are made during the month (Class 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) | 2.58% p.a. if you pay tax at the top marginal rate | |
| PIE Term Deposit | Current rates |
Effective rate Show |
|---|---|---|
|
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.
|
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| 90 days | 3.55% p.a. if you pay tax at the top marginal rate | |
| 100 days | 3.55% p.a. if you pay tax at the top marginal rate | |
| 120 days | 3.55% p.a. if you pay tax at the top marginal rate | |
| 150 days | 3.87% p.a. if you pay tax at the top marginal rate | |
| 6 months | 4.84% p.a. if you pay tax at the top marginal rate | |
| 200 days | 4.62% p.a. if you pay tax at the top marginal rate | |
| 1 year | 4.84% p.a. if you pay tax at the top marginal rate | |
| Now |
Current rates p.a. Show |
|---|---|
| $0+ | 0.00% |
| Free Up |
Current rates p.a. Show |
|---|---|
| $0+ | 0.00% |
| Front Runner |
Current rates p.a. Show |
|---|---|
| $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. Show |
|---|---|
| $0 – $99 | 0.00% |
| $100+ | 0.50% |
| Fast Forward Saver |
Current rates p.a.* Show |
|---|---|
|
* 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. Show |
|---|---|
| $0+ | 2.50% |
| Back-up Saver |
Current rates p.a. Show |
|---|---|
| $0+ | 1.00% |
| Overdrafts |
Current rates p.a. Show |
|---|---|
| Secured | 12.90% |
| Authorised | 16.90% |
| Unauthorised | 22.00% |
| Go Fly Credit Cards |
Current rates p.a. Show |
|---|---|
| Purchases – $0+ | 18.90% |
| Cash advances – $0+ | 21.90% |
| Low Rate MasterCard |
Current rates p.a. Show |
|---|---|
| $0+ | 12.90% |
| MasterCard Zero |
Current rates p.a. Show |
|---|---|
| $0+ | 15.90% |
| MasterCard Gold |
Current rates p.a. Show |
|---|---|
| $0+ | 16.90% |
| FX US $ |
Current rates p.a. Show |
|---|---|
| $0 – $9,999 | 0.00% |
| $10,000 – $54,999 | 0.00% |
| $55,000+ | 0.00% |
| FX GB £ |
Current rates p.a. Show |
|---|---|
| £0 – £4,999 | 0.00% |
| £5,000 – £29,999 | 0.00% |
| £30,000+ | 0.00% |
| FX EU € |
Current rates p.a. Show |
|---|---|
| €0 – €9,999 | 0.00% |
| €10,000 – €39,999 | 0.00% |
| €40,000+ | 0.00% |
| FX AU $ |
Current rates p.a. Show |
|---|---|
| $0 – $9,999 | 0.00% |
| $10,000 – $74,999 | 2.25% |
| $75,000+ | 2.50% |
| FX JP ¥ |
Current rates p.a. Show |
|---|---|
| ¥0+ | 0.00% |
Kiwibank's terms and conditions and lending criteria apply