Upcoming & recent changes
Changes to linked accounts for Offset Home Loans - 5 March 2026
From 5 March 2026, you'll no longer be able to link the following accounts to Offset Home Loans:
- Online Call
- First Saver
- Back Up Saver*
- Fast Forward Saver*
- Front Runner*
- Bill Blaster*
- Revolving Home Loan
If you currently have an Online Call or First Saver linked to an Offset Home Loan, you’ll be able to keep this link until 4 August 2026. Existing linkages to the other accounts listed above can be kept until further notice.
*As of 25 March 2021, we no longer offer new Back Up Saver, Fast Forward Saver, Front Runner or Bill Blaster accounts.
Effective date: 5 March 2026
Published date: 19 February 2026
Home loans, business loans & savings variable rate change – 23 February 2026
We’re making rate changes to our variable home loans and savings accounts across personal and business accounts. We're also changing our standard business and housing backed loans.
These rate changes impact Variable, Offset and Revolving home loans, Variable, Overdraft and Revolving business loans, and our Notice Saver, Online Call, PIE Online Call and Business Online Call accounts.
Variable, Offset & Revolving home loans
We're increasing our rates on the following home loans from:
- Monday 23 February 2026 for new loans
- Monday 9 March 2026 for existing loans.
| Empty header |
Previous rate |
New rate |
|---|---|---|
|
Variable home loan |
5.65% p.a.* |
5.75% p.a.* |
|
Offset home loan |
5.65% p.a.* |
5.75% p.a.* |
|
Revolving home loan |
5.70% p.a.* |
5.80% p.a.* |
* Applicable for both special and standard interest rates.
Business Variable, Overdraft & Revolving loans
We're increasing our rates for new and existing standard business and housing backed loans. These will increase by 0.10% p.a. on:
- Monday 23 February 2026 for new loans
- Monday 9 March 2026 for existing loans.
If these changes affect you, we'll contact you prior to the interest rate changing in accordance with your loan agreement.
Notice Saver, Online Call, PIE Online Call & Business Online Call accounts
We're increasing our rates from Monday 23 February 2026 on the following accounts.
Notice Saver
| Empty header |
Previous rate |
New rate |
|---|---|---|
|
90 Day Notice Saver |
2.10% p.a. |
2.35% p.a. |
|
32 Day Notice Saver |
1.55% p.a. |
1.80% p.a. |
Online Call, PIE Online Call & Business Online Call
| Empty header |
Previous rate |
New rate |
||
|---|---|---|---|---|
| Empty header |
Base rate |
Bonus rate |
Base rate |
Bonus rate |
|
Online Call |
1.25% p.a. |
0.00% p.a. |
1.50% p.a. |
0.00% p.a. |
|
PIE Online Call |
1.25% p.a. |
0.00% p.a. |
1.50% p.a. |
0.00% p.a. |
|
Business Online Call |
1.25% p.a. |
0.05% p.a. |
1.50% p.a. |
0.05% p.a. |
Displayed interest rates are subject to change.
Kiwibank PIE Online Call Fund and Kiwibank Notice Saver are funds within a Portfolio Investment Entity (PIE). Units in Kiwibank PIE Online Call Fund and Kiwibank Notice Saver are distributed by Kiwibank Limited and are issued by Kiwibank Investment Management Limited.
For a full list of our current interest rates, please visit our rates and fees page.
Date effective: 23 February 2026
Date published: 23 February 2026
Previous public notices
For previous public notices, see our archived public notices.