Compare the interest rates, transaction fees and limits on our everyday and savings accounts, and know the rates and fees you pay on our overdrafts.
Interest rates are subject to change. Service fees may apply.
|
Free Up |
Now - monthly1 |
Now - pay as you go |
Bill Blaster |
Front Runner |
|
|---|---|---|---|---|---|
|
Interest rates |
for balances |
for balances |
for balances |
for balances for balances |
for balances for balances $4,000 - $99,000 for balances |
|
Transaction fees* |
|||||
|
Account management fee |
Free |
$5 per month |
Free |
Free |
Free if $4000 in account2 |
|
Deposits and withdrawals at a Kiwibank branch3 |
$3 per transaction (one free deposit per month) |
Free |
$3 per transaction (one free deposit per month) |
$3 per transaction (one free deposit per month) |
Free |
|
Electronic transfers between your Kiwibank accounts |
Free |
Free |
Free |
Free |
Free |
|
Electronic transactions4 |
Free |
Free |
$0.40 per transaction |
Free |
Free |
|
ATM withdrawal5 |
Free |
Free |
$0.80 per withdrawal |
— |
Free |
|
Inoperative account management fee |
When you haven’t initiated any transactions for one year and have a balance of less than $200 across all your everyday and savings account(s). $30 per year. This fee is charged across all your everyday and savings account(s). If there's less than $30 across all your everyday and savings account(s), we'll take whatever balance is in your account(s). Accounts with $0 balance before or after the fee is charged will be closed. |
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|
Free Up |
Now - monthly1 |
Now - pay as you go |
Bill Blaster |
Front Runner |
|
|---|---|---|---|---|---|
|
Interest rates |
for balances |
for balances |
for balances |
for balances for balances |
for balances for balances $4,000 - $99,000 for balances |
|
Transaction fees* |
|||||
|
Account management fee |
Free |
$5 per month |
Free |
Free |
Free if $4000 in account2 |
|
Deposits and withdrawals at a Kiwibank branch3 |
$3 per transaction (one free deposit per month) |
Free |
$3 per transaction (one free deposit per month) |
$3 per transaction (one free deposit per month) |
Free |
|
Electronic transfers between your Kiwibank accounts |
Free |
Free |
Free |
Free |
Free |
|
Electronic transactions4 |
Free |
Free |
$0.40 per transaction |
Free |
Free |
|
ATM withdrawal5 |
Free |
Free |
$0.80 per withdrawal |
— |
Free |
|
Inoperative account management fee |
When you haven’t initiated any transactions for one year and have a balance of less than $200 across all your everyday and savings account(s). $30 per year. This fee is charged across all your everyday and savings account(s). If there's less than $30 across all your everyday and savings account(s), we'll take whatever balance is in your account(s). Accounts with $0 balance before or after the fee is charged will be closed. |
||||
*You don’t pay transaction fees if you're a Kiwibank Home Loan customer, under 19 years of age, a Tertiary Pack customer (while you meet our Tertiary Pack requirements), a Graduate Pack customer (for two years after you successfully complete your studies), a non-profit organisation, or over 65 years of age.
1 The $5 flat monthly fee plan isn't available to companies, trusts or organisations.
2 A flat monthly fee of $15 applies if the combined balance of all your Front Runner accounts drops below $4,000 during any month. Service fees may apply.
3 Service fees (including cheque clearance fees) may apply.
4 Electronic transactions include online, EFTPOS, automatic payment, direct debit and bill payment. Limits apply to phone banking.
5 Service fees may apply to a balance enquiry or overseas ATM.
Kiwibank is phasing out cheques. See the timings and ways we can support you through this transition. Find out more.
Interest rates are subject to change. Service fees may apply.
|
Fast Forward Saver |
Back-up Saver |
First Saver |
Notice Saver1 |
Online Call |
|
|---|---|---|---|---|---|
|
Interest rates2 |
for balances Please note interest breakdown. |
for balances |
for balances |
for 32 days and 90 days notice period for balances $0 - $1,999 for 32 days notice period for balances $2,000+ for 90 days notice period for balances $2,000+ |
for balances for balances Please note interest breakdown2 |
|
Transaction fees* |
|||||
|
Account management fee |
Free |
Free |
Free |
Free |
Free |
|
Deposits and withdrawals at Kiwibank branch3 |
Free deposits; one free withdrawal of any type per month, then $5 per withdrawal |
$3 per transaction (one free deposit per month) |
$3 per transaction (one free deposit per month) |
— |
Free deposits; withdrawal N/A |
|
Electronic transfers between your Kiwibank accounts |
Free |
Free |
Free |
Free |
Free |
|
Kiwibank ATM withdrawal4 |
— |
$1 per withdrawal |
— | — | — |
|
Withdrawal fee - automatic payment, bill payment and direct debit |
One free withdrawal of any type per month, then $5 per withdrawal |
$1 per withdrawal |
— | — | — |
|
Withdrawal fee - EFTPOS and online |
— |
$1 per withdrawal |
— | — | — |
|
Inoperative account management fee |
When you haven’t initiated any transactions for one year and have a balance of less than $200 across all your everyday and savings account(s). $30 per year. This fee is charged across all your everyday and savings account(s). If there's less than $30 across all your everyday and savings account(s), we'll take whatever balance is in your account(s). Accounts with $0 balance before or after the fee is charged will be closed. |
||||
|
Fast Forward Saver |
Back-up Saver |
First Saver |
Notice Saver1 |
Online Call |
|
|---|---|---|---|---|---|
|
Interest rates2 |
for balances Please note interest breakdown. |
for balances |
for balances |
for 32 days and 90 days notice period for balances $0 - $1,999 for 32 days notice period for balances $2,000+ for 90 days notice period for balances $2,000+ |
for balances for balances Please note interest breakdown2 |
|
Transaction fees* |
|||||
|
Account management fee |
Free |
Free |
Free |
Free |
Free |
|
Deposits and withdrawals at Kiwibank branch3 |
Free deposits; one free withdrawal of any type per month, then $5 per withdrawal |
$3 per transaction (one free deposit per month) |
$3 per transaction (one free deposit per month) |
— |
Free deposits; withdrawal N/A |
|
Electronic transfers between your Kiwibank accounts |
Free |
Free |
Free |
Free |
Free |
|
Kiwibank ATM withdrawal4 |
— |
$1 per withdrawal |
— | — | — |
|
Withdrawal fee - automatic payment, bill payment and direct debit |
One free withdrawal of any type per month, then $5 per withdrawal |
$1 per withdrawal |
— | — | — |
|
Withdrawal fee - EFTPOS and online |
— |
$1 per withdrawal |
— | — | — |
|
Inoperative account management fee |
When you haven’t initiated any transactions for one year and have a balance of less than $200 across all your everyday and savings account(s). $30 per year. This fee is charged across all your everyday and savings account(s). If there's less than $30 across all your everyday and savings account(s), we'll take whatever balance is in your account(s). Accounts with $0 balance before or after the fee is charged will be closed. |
||||
*You don’t pay transaction fees if you're a Kiwibank Home Loan customer, under 19 years of age, a Tertiary Pack customer (while you meet our Tertiary Pack requirements), a Graduate Pack customer (for two years after you successfully complete your studies), a non-profit organisation, or over 65 years of age.
1 There are no transaction fees on our Notice Saver account. However early withdrawal charges may apply. Find out more.
2 Breakdown of interest for Online Call and Fast Forward Saver below.
Fast Forward Saver rewards you with bonus interest each calendar month when you make no withdrawals or transfers; and deposit at least $20, on or before the last business day of the month. Just be aware, any interest earnt doesn't count as a deposit.
|
Balance |
Base rate |
Bonus rate |
Total rate |
|---|---|---|---|
|
|
|
|
|
|
Balance |
Base rate |
Bonus rate |
Total rate |
|---|---|---|---|
|
|
|
|
|
Online Call rewards you with bonus interest each calendar month when you make no withdrawals or transfers; and have a minimum balance of $2,000 in your account at any time.
|
Balance |
Base rate |
Bonus rate |
Total rate |
|---|---|---|---|
|
$0 - $1,999 |
|
|
|
|
$2,000 + |
|
|
|
|
Balance |
Base rate |
Bonus rate |
Total rate |
|---|---|---|---|
|
$0 - $1,999 |
|
|
|
|
$2,000 + |
|
|
|
3Service fees (including cheque clearance fees) may apply.
4 Service fees may apply to a balance enquiry or overseas ATM.
Interest rates are subject to change. Service fees may apply.
|
First Saver |
|
|---|---|
|
Interest rates |
for balances |
|
Transaction fees* |
|
|
Account management fee |
Free |
|
Deposits and withdrawals at Kiwibank branch |
$3 per transaction (one free deposit per month) Service fees (including cheque clearance fees) may apply. |
|
Electronic transfers between your Kiwibank accounts |
Free |
|
Kiwibank ATM withdrawal |
— |
|
Withdrawal fee - automatic payment, bill payment direct debit, EFTPOS and online |
— |
|
First Saver |
|
|---|---|
|
Interest rates |
for balances |
|
Transaction fees* |
|
|
Account management fee |
Free |
|
Deposits and withdrawals at Kiwibank branch |
$3 per transaction (one free deposit per month) Service fees (including cheque clearance fees) may apply. |
|
Electronic transfers between your Kiwibank accounts |
Free |
|
Kiwibank ATM withdrawal |
— |
|
Withdrawal fee - automatic payment, bill payment direct debit, EFTPOS and online |
— |
*You don’t pay transaction fees if you're under 19 years of age.
Interest rates |
The interest rate you'll receive on your account depends on the everyday account that you get with us. Please refer to our everyday accounts table at the top of this page. |
Fees |
You don't pay the following transaction fees on our everyday accounts if you're a Tertiary or Graduate Pack customer.
Service fees may apply. |
Interest rates are subject to change. Service fees may apply.
Account management fee |
Free |
Application fee |
Free |
Preferential overdraft rate |
If you have a Kiwibank home loan |
Authorised overdraft rate |
A standard overdraft within your approved limit |
Unauthorised overdraft rate |
If you don't have an approved overdraft limit and your account is overdrawn |
Tertiary and graduate overdraft rate |
If you have a Tertiary Pack or Graduate Pack |
Maximum amount for ATM withdrawals |
The maximum amount that you can withdraw from ATMs using your ATM/EFTPOS card or Visa Debit Card. $2,500 per day. |
Maximum amount for purchases |
The maximum amount that you can purchase using your ATM/EFTPOS card or Visa Debit Card. $5,000 per day. |
Maximum amount for withdrawals and purchases from an account |
The maximum amount that you can withdraw from an account using ATM/EFTPOS cards and Visa Debit Cards linked to that account. $7,500 per day. |
Standard terms and conditions
Terms and conditions, and fees apply. Interest rates, fees and limits subject to change. See all personal banking fees and limits and investments terms and conditions.
Kiwibank Notice Saver is a fund within a Portfolio Investment Entity (PIE). Units in Kiwibank Notice Saver are distributed by Kiwibank Limited and are issued by Kiwibank Investment Management Limited.