Interest rates print this page

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.

Specials:

4.99% p.a. fixed for 2 years.
Plus save up to $2,000 with our refinancing package.

Variable 5.65%+
Offset mortgage 5.50%
Capped 6.50%**
Revolving 5.65%
6 month fixed 5.25%
1 year fixed 5.25%
2 year fixed 4.99%
3 year fixed 5.65%
4 year fixed 5.99%
5 year fixed 5.99%
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
Notice Period $0 – $1,999$2,000+
32 days 0.00%4.00%
90 days 0.00%4.15%
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
4.00% p.a. for 200 days | Minimum investment $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%3.20%3.30%3.30%
150 days 2.00%3.50%3.60%3.60%
6 months 2.00%3.65%3.75%3.75%
200 days 2.00%3.90%4.00%4.00%
9 months 2.00%3.75%3.85%3.85%
1 year 2.00%4.00%4.10%4.10%
2 years 2.00%4.10%4.20%4.20%
3 years 2.00%4.30%4.40%4.40%
4 years 2.00%4.45%4.55%4.55%
5 years 2.00%4.60%4.70%4.70%
Interim Interest options
1 year 2.00%3.95%4.05%4.05%
2 years 2.00%4.00%4.10%4.10%
3 years 2.00%4.10%4.20%4.20%
4 years 2.00%4.10%4.20%4.20%
5 years 2.00%4.10%4.20%4.20%
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%4.10%4.20%4.20%
3 years 2.00%4.30%4.40%4.40%
4 years 2.00%4.45%4.55%4.55%
5 years 2.00%4.60%4.70%4.70%
Interim Interest options
2 years 2.00%4.00%4.10%4.10%
3 years 2.00%4.10%4.20%4.20%
4 years 2.00%4.10%4.20%4.20%
5 years 2.00%4.10%4.20%4.20%
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 3.30% p.a. 3.55% p.a. if you pay tax at the top marginal rate
150 days 3.60% p.a. 3.87% p.a. if you pay tax at the top marginal rate
6 months 3.75% p.a. 4.03% p.a. if you pay tax at the top marginal rate
200 days 4.00% p.a. 4.30% p.a. if you pay tax at the top marginal rate
9 months 3.85% p.a. 4.14% p.a. if you pay tax at the top marginal rate
1 year 4.10% p.a. 4.41% 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 Australian Dollars
Current rates p.a.
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$0 – $9,999 0.00%
$10,000 – $74,999 2.25%
$75,000+ 2.50%
FX Great Britain Pounds
Current rates p.a.
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£0 – £4,999 0.00%
£5,000 – £29,999 0.00%
£30,000+ 0.00%
FX United States Dollars
Current rates p.a.
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$0 – $9,999 0.00%
$10,000 – $54,999 0.00%
$55,000+ 0.00%
FX Japanese Yen
Current rates p.a.
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¥0+ 0.00%
FX Euros
Current rates p.a.
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€0 – €9,999 0.00%
€10,000 – €39,999 0.00%
€40,000+ 0.00%
FX Canadian Dollars
Current rates p.a.
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$0 – $9,999 0.00%
$10,000 – $74,999 0.00%
$75,000 – $149,999 0.00%
$150,000+ 0.00%
FX Bahrain Dinar
Current rates p.a.
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BHD 0 – BHD 9,999 0.00%
BHD 10,000 – BHD 74,999 0.00%
BHD 75,000 – BHD 149,999 0.00%
BHD 150,000+ 0.00%
FX Swiss Francs
Current rates p.a.
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CHF 0 – CHF 9,999 0.00%
CHF 10,000 – CHF 74,999 0.00%
CHF 75,000 – CHF 149,999 0.00%
CHF 150,000+ 0.00%
FX Czech Republic Koruna
Current rates p.a.
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CZK 0 – CZK 9,999 0.00%
CZK 10,000 – CZK 74,999 0.00%
CZK 75,000 – CZK 149,999 0.00%
CZK 150,000+ 0.00%
FX Danish Krone
Current rates p.a.
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DKK 0 – DKK 9,999 0.00%
DKK 10,000 – DKK 74,999 0.00%
DKK 75,000 – DKK 149,999 0.00%
DKK 150,000+ 0.00%
FX Hong Kong Dollars
Current rates p.a.
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$0 – $9,999 0.00%
$10,000 – $74,999 0.00%
$75,000 – $149,999 0.00%
$150,000+ 0.00%
FX Hungarian Forint
Current rates p.a.
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HUF 0 – HUF 9,999 0.00%
HUF 10,000 – HUF 74,999 0.00%
HUF 75,000 – HUF 149,999 0.00%
HUF 150,000+ 0.00%
FX Israel Shekel
Current rates p.a.
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ILS 0 – ILS 9,999 0.00%
ILS 10,000 – ILS 74,999 0.00%
ILS 75,000 – ILS 149,999 0.00%
ILS 150,000+ 0.00%
FX Mexican Pesos
Current rates p.a.
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MXN 0 – MXN 9,999 0.00%
MXN 10,000 – MXN 74,999 0.00%
MXN 75,000 – MXN 149,999 0.00%
MXN 150,000+ 0.00%
FX Norwegian Krone
Current rates p.a.
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NOK 0 – NOK 9,999 0.00%
NOK 10,000 – NOK 74,999 0.00%
NOK 75,000 – NOK 149,999 0.00%
NOK 150,000+ 0.00%
FX Poland Zloty
Current rates p.a.
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PLN 0 – PLN 9,999 0.00%
PLN 10,000 – PLN 74,999 0.00%
PLN 75,000 – PLN 149,999 0.00%
PLN 150,000+ 0.00%
FX Saudi Arabian Riyal
Current rates p.a.
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SAR 0 – SAR 9,999 0.00%
SAR 10,000 – SAR 74,999 0.00%
SAR 75,000 – SAR 149,999 0.00%
SAR 150,000+ 0.00%
FX Swedish Krona
Current rates p.a.
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SEK 0 – SEK 9,999 0.00%
SEK 10,000 – SEK 74,999 0.00%
SEK 75,000 – SEK 149,999 0.00%
SEK 150,000+ 0.00%
FX Singapore Dollars
Current rates p.a.
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$0 – $9,999 0.00%
$10,000 – $74,999 0.00%
$75,000 – $149,999 0.00%
$150,000+ 0.00%
FX South African Rand
Current rates p.a.
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ZAR 0 – ZAR 9,999 0.00%
ZAR 10,000 – ZAR 74,999 0.00%
ZAR 75,000 – ZAR 149,999 0.00%
ZAR 150,000+ 0.00%

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Conditions

Kiwibank's terms and conditions and lending criteria apply