Kiwi making Kiwi better off
We exist to create competition — to make the banking system fairer to make Kiwi better off. We provide Kiwi with a strong, local bank that reinvests in Aotearoa New Zealand.
This is just as true today as back when we were born.
The reality is, banking often works better for banks than it does for customers, and we don't think that's right. We want to empower and incentivise Kiwi and their businesses to make positive financial and sustainable choices, to make them, and Aotearoa, better off.
We’ve always challenged the status quo and have backed better outcomes where it matters most. As we’ve grown, we’ve delivered greater value and fairer outcomes for more Kiwi.
Delivering positive impact
Our sustainability framework connects our four focus areas. Like a pā harakeke (flax bush), each part is strengthened by its connection to the others. Together, they will deliver meaningful, long-term value for Kiwi and Aotearoa.
Purpose outcomes
Our purpose outcomes turn our purpose into action to create better outcomes for Kiwi and Aotearoa.
Te Tōrea
Te Tōrea is our Rautaki Māori (Māori strategy). It strengthens our relationships with Māori and helps us embed te ao Māori into how we operate.
Purpose outcomes in action
Making Kiwi better off
We aim to drive and motivate positive financial choices and build resilience for Kiwi.
We want to help Kiwi build the confidence, capability and resilience to make informed financial decisions and achieve better outcomes. By growing financial confidence and resilience, we help create stronger futures for individuals, whānau and communities.
Learning in schools
We partner with Banqer to provide real-world financial simulations to primary and secondary school students across Aotearoa to set them up for financial success.
Ngā Tāngata Microfinance Trust
We partner with Ngā Tāngata Microfinance Trust to provide fee-free and interest-free microfinance loans that offer responsible lending alternatives to Kiwi in need.
Sustainable business loans
We provide a preferential interest rate on loans to help businesses achieve sustainable outcomes, if the loan is for an approved sustainable purpose.
Making Aotearoa better off
We challenge the status quo to make the banking system fairer.
As a purpose-led bank, we work to improve trust, transparency and access to banking. By challenging the status quo and looking for better solutions, we help create a banking system that's fairer, more accessible and better for Aotearoa.
Savings accounts without hurdles
With our Online Call account, you get instant access to your savings, and full interest, regardless of how often you dip in and out. We'll grow your savings balance with no hoops or hurdles.
Buying with friends & whānau
With Co-own, you may be able to turn the dream of owning a home into reality by teaming up with friends or whānau! Buying a property together could be a way to get on the property ladder sooner.
Funding for new businesses
We're backing Kiwi to take the next step with StartUp+, giving early‑stage businesses flexible funding, practical support and a banking partner who understands what building a business really takes.
Read our reports
Sustainability Report 2026
Our 2026 Sustainability Report outlines our performance in relation to our sustainability framework and 2030 ambition, and covers other material sustainability topics.
Climate Statement 2026
Our 2026 Climate Statement outlines how we're managing our climate-related risks and opportunities, and working towards a low-carbon, climate-resilient future.
Previous reports
To read previous Sustainability Reports and Climate Statements, see our archived reports.