Upcoming & recent changes
Home loans, business loans & savings variable rate change – 13 July 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, 13 July 2026 for new loans
- Monday, 27 July 2026 for existing loans.
| Empty header |
Previous rate |
New rate |
|
Variable home loan |
5.75% p.a.* |
6.00% p.a.* |
|
Offset home loan |
5.75% p.a.* |
6.00% p.a.* |
|
Revolving home loan |
5.80% p.a.* |
6.05% 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 0.25% p.a.
- Monday, 13 July 2026 for new loans
- Monday, 27 July 2026 for existing loans
Notice Saver, Online Call, PIE Online Call & Business Online call accounts
We're increasing our rates from Monday, 13 July 2026 on the following accounts:
Notice Saver
| Empty header |
Previous rate |
New rate |
|
90 Day Notice Saver |
2.35% p.a. |
2.60% p.a. |
|
32 Day Notice Saver |
1.80% p.a. |
2.05% p.a. |
Online Call, PIE Online Call & Business Online Call
| Empty header |
Previous rate |
New rate |
|
Online Call |
1.50% p.a. |
1.75% p.a. |
|
PIE Online Call |
1.50% p.a. |
1.75% p.a. |
|
Business Online Call |
1.60% p.a. |
1.85% 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: 13 July 2026
Date published: 9 July 2026
Changes to Foreign Currency Account Terms & Conditions - 6 July 2026
Some of our foreign currency accounts are currently hosted by Citibank on our behalf. From 7 July 2026, these accounts will move to Kiwibank systems.
As part of this change, we're updating our Foreign Currency Account Terms and Conditions.
What this means for you:
- If you already have a foreign currency account, we'll open a new account for you and close your existing one.
- Your new foreign currency account may be opened and appear in the mobile app and internet banking before your existing account is closed.
- You'll need to update your account details with anyone who sends money to your existing account.
- We’ll give you at least 30 days' notice before your existing account is closed, so you have time to make any changes.
Download a copy of our updated Foreign Currency Account Terms and Conditions - effective 6 July 2026.
Date effective: 6 July 2026
Date published: 22 June 2026
Previous public notices
For previous public notices, see our archived public notices.