Interest Rates

Loans

Home loans
Current rates p.a.
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* This rate takes effect from 25 August 2010 for existing Kiwibank Home Loan customers.

+ 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 6.15% *+
Capped 6.50% **
Revolving 6.15%
6 month fixed 6.35%
1 year fixed 6.45%
18 month fixed 6.69%
2 year fixed 6.69%
3 year fixed 7.09%
4 year fixed 7.45%
5 year fixed 7.70%
Personal and vehicle loans
Current rates p.a.
Kiwibank Home Loans customer.
Current rates p.a.
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Interest rates current as at 15 September 2009. Interest rates subject to change.
Personal loan Upwards from 13.10% From 11.95%
Personal loan - Debt consolidation Upwards from 13.10% From 11.95%
Vehicle loan From 13.50% From 13.00%

Savings and investments

Term Deposit
Current rates p.a.
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Interest paid at maturity
Term $1,000+ $5,000+ $10,000+ $50,000+
30 days n/a% 2.75% 2.75% 2.75%
60 days n/a% 2.75% 2.75% 2.75%
90 days 2.00% 3.75% 3.75% 3.75%
100 days 2.00% 3.75% 3.75% 3.75%
120 days 2.00% 3.75% 3.75% 3.75%
150 days 2.00% 5.15% 5.15% 5.15%
6 months 2.00% 4.50% 4.50% 4.50%
1 year 2.00% 5.30% 5.30% 5.30%
2 years 2.00% 5.50% 5.50% 5.50%
3 years 2.00% 6.00% 6.00% 6.00%
4 years 2.00% 6.50% 6.50% 6.50%
5 years 2.00% 6.75% 6.75% 6.75%
Interest paid monthly
1 year 2.00% 5.25% 5.25% 5.25%
2 years 2.00% 5.30% 5.30% 5.30%
3 years 2.00% 5.65% 5.65% 5.65%
4 years 2.00% 5.90% 5.90% 5.90%
5 years 2.00% 6.00% 6.00% 6.00%

Specials:

Term Deposits | 5.15% for 150 days | Minimum $5,000 (Interest at maturity)
Online Call
Current rates p.a.
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* Rate includes bonus interest of 0.60%p.a. if no withdrawals are made within the calendar month.
$0-$1999 0.00%
$2,000+ 3.75% *
PIE Online Call*
Current rates
Effective rate
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* Minimum deposit $2,000
Bonus return - earned if no withdrawals are made during the month (Class A) 3.75% p.a. 4.07% p.a if you pay 38% tax (33% from 1 October)
Base return - earned if a withdrawal is made during the month (Class B) 3.15% p.a. 3.42% p.a if you pay 38% tax (33% from 1 October)
PIE Term Deposit
Current rates
Effective rate
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90 days 3.75% p.a. 4.16% p.a. if you pay 38% tax (33% from 1 October)
100 days 3.75% p.a. 4.16% p.a. if you pay 38% tax (33% from 1 October)
120 days 3.75% p.a. 4.17% p.a. if you pay 38% tax (33% from 1 October)
150 days 5.15% p.a. 5.73% p.a. if you pay 38% tax (33% from 1 October)
6 months 4.50% p.a. 5.01% p.a. if you pay 38% tax (33% from 1 October)
1 year 5.30% p.a. 5.69% p.a. if you pay 38% tax (33% from 1 October)
Fast Forward Saver
Current rates p.a.*
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* Rates include bonus interest of 1.50% p.a. if at least $20 is deposited, and no withdrawals are made, each calendar month.
$0 -$999 1.75%
$1,000 - $2,999 2.00%
$3,000 - $3,999 2.00%
$4,000+ 2.50%
First Saver
Current rates p.a.
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$0+ 3.00%
Back-up Saver
Current rates p.a.
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$0+ 1.50%

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 2.00%
$15,000 - $49,999 2.00%
$50,000 - $99,999 2.75%
$100,000 + 3.75%
Bill Blaster
Current rates p.a.
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$0 - $99 0.00%
$100+ 0.50%
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%

You might also be interested in the business banking rates.

Conditions

Kiwibank's terms and conditions and lending criteria apply