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1Tahi
Check if you're eligible to join online
Joining online is the easiest option if you:
- Are aged 16 or over
- Live in New Zealand and you're eligible to work or study here
- Have a New Zealand mobile phone number
- Haven't previously banked with us.
If you tick all these boxes, continue. If you don't, come and see us in branch.
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2Rua
Complete the online form & verify who you are
Complete our online join form which takes around 10 minutes. You'll be automatically set up with a Free Up account.
Then, we need to verify who you are. You can either:
- Use ID checker on your smartphone.
- Visit your nearest Kiwibank or Local for Kiwibank, with your ID.
In some cases, we'll also need to verify your address and source of wealth and/or funds.
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3Toru
Start banking Kiwi and don't look back
Once you've been verified, you're in. You can log into our mobile app and internet banking, open more accounts, and order a Visa Debit or EFTPOS card.
If you're moving everything over to Kiwibank, we can help transfer your account balances, move your saved payees, automatic payments and direct debits. We can even close your accounts with your previous bank, if you want us to. Find out more about easy switch.
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1Tahi
Complete the online form
You can join online and open a joint account.
Both of you need to fill in our online join form, which takes around 10 minutes to complete.
Each of you will automatically be set up with your own Free Up account.
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2Rua
Verify who you are
We'll need to verify the identity of each of you. There are two ways you can do this:
- Using ID checker on your smartphone.
- Visiting your nearest Kiwibank or Local for Kiwibank. You'll need to bring your ID with you.
In some cases we'll also need to verify your address and source of wealth and/or funds.
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3Toru
Open your joint account
Once you've both been verified you can open a joint account. To do this, each of you need to send us a secure message in our mobile app or internet banking, and provide the access number of the person you wish open the account with.
Alternatively, you can visit your nearest Kiwibank or Local for Kiwibank together.
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1Tahi
Visit your nearest Kiwibank
Starting young is a great way to build good habits. You'll need to come see us to get set up — drop in to your nearest Kiwibank or contact us to set up an appointment. Since your child's account will be linked to you, we'll need to set up a profile for you as well (unless you already have one).
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2Rua
Verify your child
During your visit, we'll need to verify you and your child's identity and that you're the child's parent or legal guardian.
Please bring your ID as well as proof of relationship, such as an original birth certificate, passport with the same surname, court order or letter from Oranga Tamariki – Ministry for Children to your appointment.
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3Toru
Access your child's account
Once we've set up your child's account, you’ll be able to see and access their account in internet banking or the mobile app. The types of things they can access will depend on how old they are.
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1Tahi
Complete the online form
Fill in our online join form, which takes around 10 minutes to complete.
You'll then automatically be set up with a Free Up account.
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2Rua
Verify who you are
Once you've completed the online form, we'll need to verify your identity. You'll need to visit your nearest Kiwibank or Local for Kiwibank with your ID.
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3Toru
Start using your accounts
Once you've been verified, you'll be able to do all the things you'd expect, like accessing money from your account and ordering a Visa Debit or EFTPOS card.
If you're planning to move to Aotearoa (New Zealand), you can open a Kiwibank account once you’ve arrived.
We’ve put together a step‑by‑step guide so you know what you’ll need and how to join Kiwibank and open an account.
If you're already a Kiwibank customer, we've created a step-by-step guide to show you how to open a new account within the mobile app or internet banking. Alternatively you can you can call us on 0800 113 355.
Have a business or starting a business?
Whether you're starting a business, a non-profit organisation, looking at new opportunities, or you’re after detailed advice, we’ve got the right people in the right places to help you with your business ambitions.
We've also pulled together a handy break down of what you'll need to open a business account.
Open an account
Opening a business account is quick and secure - you can start the process online in under 20 minutes if you’re a New Zealand registered limited company.
Apply for business borrowing
Need funds to start, grow, or manage cash flow? We offer flexible borrowing options designed to keep your business moving.
Talk to a business banking specialist
Whether you’re starting out or scaling up, our team of experts is here to help discuss your options, and ensure that your business needs are met.
Awesome! We can help you with your banking needs. For some services, you don't actually have to open an account first.
Home loans
Whether you’re applying for a new home loan, looking to move your home loan or topping up your existing loan, you can start by talking to one of our home loan specialists.
Savings & investments
If you’re keen to build your nest egg with a savings or investment account, use our form to help figure out your next steps.
Credit Cards
You can apply for a credit card online, over the phone or at your nearest Kiwibank.
We're the bank that challenges the status quo
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1Tahi
Born to make Kiwi better off
We've been bucking the system since 2002. We're challenging the banking system to drive better outcomes for Kiwi. It's why we're here — to make Kiwi better off.
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2Rua
Committed to your savings
We're committed to helping you build up your savings to make you better off. You get full interest and instant access on your savings in our Online Call account.
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3Toru
Invested in a better future
We're sustainable at our heart and we're invested in the next generation. We're proud to be the largest B-Corp certified bank. You can take comfort in that while we're showing up for you, we're doing right by Aotearoa as well.
Getting started once you're in
Need some extra help with your options? We've got specialists to help you with your banking and investing needs.
Start using our mobile app
Once you've joined, download our mobile app so you have secure banking at your fingertips.
Open a savings account
Our Online Call account does what it says on the tin — no conditions, no penalties and no hoops or hurdles. You earn the full advertised rate of interest, straight up.
Set up your accounts for success
See how you can use our different account types to build yourself a healthy money ecosystem that fits your needs.
Talk to a specialist
Whether you want to talk about home loans, business loans, or explore investment options, we've got specialists to help with your needs.