Compare accounts rates and fees

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
• over 65 years of age.

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 is 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.

Notice Saver immediate withdrawal charge

When you request an immediate withdrawal of part or all of your money from Notice Saver without giving the required notice.

The amount of the charge varies depending on the amount being withdrawn, the current rate of return for your Notice Saver and the length of the required notice period.

The immediate withdrawal charge is based on the lesser of:

• the amount withdrawn multiplied by the current rate of return divided by the number of days in the year. This is then multiplied by the notice period;
• the interest earned and accrued over the previous period equivalent to the notice period.