Accounts

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New to Kiwibank?

Welcome! Complete our online application form to join Kiwibank and open your first account.

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Already a Kiwibank customer?

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Customise your accounts to suit your daily needs and future goals. Whether you’re after low fees, higher interest rates, or incentives to save your money we’ve got accounts and smart tools to help you get there.

       

Find the right account or package for you

Everyday

Free
Up

Our most popular everyday account.

$0

Monthly account fee.

  • No electronic transaction fees
  • Pay $3 per branch transaction (one free deposit per month)
  • ATM and EFTPOS access
  • Choose to get a Visa Debit Card or EFTPOS card.
Find out more Open now
Savings

Fast Forward
Saver

Bonus interest if you stay on track and don't dip into your account.

  • Earn higher interest if you don't make any withdrawals and deposit at least $20 in a month
  • Free in-branch deposits, one free withdrawal each month then $5 each.

Interest rates are subject to change.

Find out more Open now
Savings

Back-up
Saver

Earn interest, but have instant access to your money.

  • Pay $1 per electronic withdrawal
  • Pay $3 per in-branch transaction (one free deposit per month)
  • Choose to get a Visa Debit Card or EFTPOS card.

Interest rates are subject to change.

Find out more Open now
Everyday

Bill
Blaster

Set up beside a Free Up account to automatically take care of your bills.

$0

Monthly account fee.

  • Pay $3 per in branch transaction (one free deposit per month)
  • No EFTPOS or ATM access
  • Earn interest on balances over $100.
Find out more Open now
Everyday

Now
(pay as you go)

Pay no monthly account fees, just pay as you make transactions.

$0

Monthly account fee.

  • Pay $0.40 per electronic transaction and $0.80 per ATM withdrawal
  • Pay $3 per in branch transaction (one free deposit per month)
  • EFTPOS and ATM access
  • Choose to get a Visa Debit Card.
Find out more Open now
Everyday

Now
($5 monthly fee)

Enjoy unlimited transactions for just $5 a month.

$5

Monthly account fee.

  • No electronic transaction fees
  • Free in-branch deposits and withdrawals
  • EFTPOS and ATM access
  • Choose to get a Visa Debit Card or EFTPOS card.
Find out more Open now
Everyday

Front
Runner

Get higher interest the more money you have in your account.

  • Earn interest on up to four Front Runner accounts with a combined minimum balance of $4,000
  • No transaction or monthly account fees if your combined minimum balance is $4,000
  • A $15 monthly fee applies if your balance drops below $4,000.

Interest rates are subject to change.

Find out more Open now
Student packages

Tertiary
Pack

Special offers and fees to help you through your student years.

$0

Monthly account fee.

  • No account management or transaction fees on your everyday accounts
  • Get a Visa Debit Card without the $10 annual fee
  • Apply for a low rate, fee-free overdraft of up to $1,000 in your first year and up to $2,000 in your second or subsequent years.
Find out more Enquire online
Student packages

Graduate
Pack

Manage your money as you move from student life to the workforce.

$0

Monthly account fee.

  • No account management or transaction fees on your everyday accounts. Service fees apply
  • You can apply for a low rate, fee free overdraft of up to $2,000
  • You can apply for a Low Rate Visa with a limit of up to $1,000.
Find out more Enquire online
Savings

Notice Saver
(90 days notice)

Our best savings account – add money whenever you like.

  • Withdraw money by giving 90 days advance notice
  • Make as many withdrawals as you like
  • Have the returns compound or paid out to another account
  • Notice Saver is a PIE investment.

Rates of return are subject to change.

Find out more Apply now
Savings

Notice Saver
(32 days notice)

Our best savings account – add money whenever you like.

  • Withdraw money by giving 32 days advance notice
  • Make as many withdrawals as you like
  • Have the returns compound or paid out to another account
  • Notice Saver is a PIE investment.

Rates of return are subject to change.

Find out more Apply now
Savings

Online
Call

Immediate access to your money if you need it.

  • Deposit or withdraw money any time
  • Earn bonus interest when no withdrawals and minimum balance requirements are met
  • Minimum of $2,000 to earn interest
  • PIE option available.

Interest rates are subject to change.

Find out more Apply now
Kids

First
Saver

An account for young savers with big plans.

  • No minimum balance required
  • No account management or transaction fees until you turn 19
  • No card access makes it harder to dip into your savings
  • Personalise your account name, like ‘Sam’s bike savings'.

Interest rates are subject to change.

Find out more Visit a branch to apply
Compare all account rates and fees

Get your money working harder for you

Tips

Nine steps to financial fitness

Tools and calculators

Savings calculator

Guide

Get on top of your debt

Guide

Building a financial buffer

Guide

Creating a budget

Tools and calculators

Goal Tracker

More tips for managing your money

Open an account

If you're keen to open an account with Kiwibank, let's get started.

Open an account now

New to Kiwibank?

Welcome! Complete our online application form to join Kiwibank and open your first account.

Join now

Already a Kiwibank customer?

Log in to internet banking and go to Apply & Open to make it happen.

Log in to Internet Banking

If you’re opening a new account with Kiwibank, you'll need to verify your identity and address. You can do this if you have a RealMe verified identity. Otherwise, you need to bring two forms of ID and proof of address at your local Kiwibank. Please give us a call to book an appointment before you visit.

Financial hardship assistance

If you’re going through financial hardship we may be able to help you. Please don’t be afraid to talk to us – the sooner you do, the sooner we can work out what we can do to help.

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