We've made changes to the Cash Advance Interest Rate on some of our credit cards. Find out more.

Loans

  • Home loans

    Current rates p.a.

    Headline rate:

    4.19% p.a. fixed for one year. Min 20% equity.

    Variable 5.25%+
    Offset mortgage 5.25%
    Revolving 5.30%
    6 month fixed 4.75%
    1 year fixed 4.19%*
    2 year fixed 4.39%*
    3 year fixed 4.75%*
    4 year fixed 5.30%
    5 year fixed 5.40%
  • Personal loans

    Current rates p.a.*
    Personal loan from $10,000 (special until 18 December 2016) 15.95%
    Personal loan $2000 - $9,999 18.95%
    Graduate Package customers $2000 - $15,000 13.95%
    Kiwibank Home Loan customers 13.95%
  • Car loans

    Current rates p.a.
    Car loans - secured From 12.99% to 18.95% p.a.*
  • Overdrafts

    Current rates p.a.
    Preferential 12.90%
    Authorised 16.90%
    Unauthorised 22.00%

Investments

  • Online Call

    Current rates p.a.
    $0 – $1,999 0.00%
    $2,000+ 1.75%*
  • Notice Saver

    Current rates p.a.
    Notice Period $0 – $1,999$2,000+
    32 days N/A2.25%
    90 days N/A2.75%
  • Term Deposit

    Current rates p.a.

    Specials:

    Term Deposits
    3.60% p.a. for 6 months | Minimum investment $10,000 | Interest at maturity.

    Interest paid at maturity
    Term $1,000+$5,000+$10,000+$50,000+
    30 days N/A0.65%0.75%0.75%
    60 days N/A1.15%1.25%1.25%
    90 days 2.00%2.40%2.50%2.50%
    100 days 2.00%2.45%2.55%2.55%
    120 days 2.00%2.90%3.00%3.00%
    150 days 2.00%2.90%3.00%3.00%
    6 months 2.00%3.50%3.60%3.60%
    200 days 2.00%3.00%3.10%3.10%
    9 months 2.00%3.10%3.20%3.20%
    1 year 2.00%3.25%3.35%3.35%
    2 years 2.00%3.30%3.40%3.40%
    3 years 2.00%3.50%3.60%3.60%
    4 years 2.00%3.60%3.70%3.70%
    5 years 2.00%3.75%3.85%3.85%
    Interim Interest options
    1 year 2.00%3.20%3.30%3.30%
    2 years 2.00%3.20%3.30%3.30%
    3 years 2.00%3.30%3.40%3.40%
    4 years 2.00%3.25%3.35%3.35%
    5 years 2.00%3.25%3.35%3.35%
  • Access Term Deposit

    Current rates p.a.
    Interest paid at maturity
    Term $1,000+$5,000+$10,000+$50,000+
    2 years 2.00%3.30%3.40%3.40%
    3 years 2.00%3.50%3.60%3.60%
    4 years 2.00%3.60%3.70%3.70%
    5 years 2.00%3.75%3.85%3.85%
    Interim Interest options
    2 years 2.00%3.20%3.30%3.30%
    3 years 2.00%3.30%3.40%3.40%
    4 years 2.00%3.25%3.35%3.35%
    5 years 2.00%3.25%3.35%3.35%
  • PIE Online Call*

    Current rates
    Effective rate
    Bonus return - earned if no withdrawals are made during the month (Class A) 1.75% p.a. 1.88% p.a. if you pay tax at the top marginal rate
    Base return - earned if a withdrawal is made during the month (Class B) 0.75% p.a. 0.81% p.a. if you pay tax at the top marginal rate
  • PIE Term Deposit

    Current rates
    Effective rate
    90 days 2.50% p.a. 2.69% p.a. if you pay tax at the top marginal rate
    100 days 2.55% p.a. 2.74% p.a. if you pay tax at the top marginal rate
    120 days 3.00% p.a. 3.22% p.a. if you pay tax at the top marginal rate
    150 days 3.00% p.a. 3.22% p.a. if you pay tax at the top marginal rate
    6 months 3.60% p.a. 3.87% p.a. if you pay tax at the top marginal rate
    200 days 3.10% p.a. 3.33% p.a. if you pay tax at the top marginal rate
    9 months 3.20% p.a. 3.44% p.a. if you pay tax at the top marginal rate
    1 year 3.35% p.a. 3.60% p.a. if you pay tax at the top marginal rate

Everyday banking

Credit cards

  • Air New Zealand Airpoints Low Fee Mastercard

    Current rates p.a.
    Purchase Interest rate 16.90%
    Cash advance Interest rate 22.95%
  • Air New Zealand Airpoints Standard Mastercard

    Current rates p.a.
    Purchase Interest rate 20.95%
    Cash advance Interest rate 22.95%
  • Air New Zealand Airpoints Platinum Mastercard

    Current rates p.a.
    Purchase Interest rate 20.95%
    Cash advance Interest rate 22.95%
  • Low Rate Mastercard

    Current rates p.a.
    Purchase Interest rate 13.45%
    Cash advance Interest rate 22.95%
  • Mastercard Zero

    Current rates p.a.
    Purchase Interest rate 16.90%
    Cash advance Interest rate 22.95%
  • Mastercard Gold

    Current rates p.a.
    Purchase Interest rate 17.90%
    Cash advance Interest rate 22.95%

Foreign Currency Accounts

Looking for foreign exchange rates?

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our business banking rates.

Kiwibank’s terms and conditions and lending criteria apply