Everyday account
Interest rates are subject to change. Service fees may apply.
Free Up |
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Interest rates |
Free Up (hard-coded) for balances Free Up (hard-coded) |
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Transaction fees* |
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Account management fee |
Free |
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Deposits and withdrawals at a Kiwibank branch1 |
$3 per transaction (one free deposit per month) |
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Electronic transfers between your Kiwibank accounts |
Free |
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Electronic transactions2 |
Free |
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ATM withdrawal3 |
Free |
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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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An unauthorised overdraft rate of 22% p.a. will apply if your account goes into negative balance or exceeds any agreed overdraft limit.
*We stopped offering our Now, Bill Blaster and Front Runner everyday accounts. If you have one of these accounts you can find information about their rates and fees on our products no longer offered page.
*You don’t pay transaction fees if you're under 19 years of age, a Tertiary Pack customer (while you meet our Tertiary Pack requirements), a non-profit organisation, or over 65 years of age.
1 Service fees may apply.
2 Electronic transactions include online, EFTPOS, automatic payment, direct debit and bill payment.
3 Service fees may apply to a balance enquiry or overseas ATM.
Savings accounts
Interest rates are subject to change. Service fees may apply.
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Interest rates2 |
Notice Saver 32 days $2,000 + (active) for 32 days notice period Notice Saver 90 days $2,000 + (active) for 90 days notice period |
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Transaction fees* |
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Account management fee |
Free |
Free |
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Deposits and withdrawals at Kiwibank branch2 |
— |
Free deposits; withdrawal N/A |
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Electronic transfers between your Kiwibank accounts |
Free |
Free |
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Kiwibank ATM withdrawal3 |
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Withdrawal fee - automatic payment, bill payment and direct debit |
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Withdrawal fee - EFTPOS and online |
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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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An unauthorised overdraft rate of 22% p.a. will apply if your account goes into negative balance.
*We stopped offering our Back-up Saver, Fast Forward Saver and First Saver savings accounts. If you have one of these accounts you can find information about their rates and fees on our products no longer offered page.
*You don’t pay transaction fees if you're under 19 years of age, a Tertiary Pack customer (while you meet our Tertiary Pack requirements), 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.
2Service fees may apply.
3 Service fees may apply to a balance enquiry or overseas ATM.
You don’t pay transaction fees if you're...
- Under 19 years of age
- Over 65 years of age
- A non-profit organisation.
- A Tertiary Pack customer (while you meet our Tertiary Pack requirements)*
*As of 1 February 2021, we no longer offer our Tertiary Pack to customers.
Limits
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. |
Open an account
If you're keen to open an account with Kiwibank, let's get started.
If you’re opening a new account with Kiwibank, we'll need to verify your identity and address. You can do this from anywhere using your smartphone. Otherwise, you’ll need to take acceptable forms of ID and proof of address to your nearest Kiwibank. Please give us a call to book an appointment before you visit.
New to Kiwibank?
Welcome! Complete our online application form to join Kiwibank and open your first account.
Join nowAlready a Kiwibank customer?
Log in to internet banking and go to Apply & Open to make it happen.
Log in to Internet BankingStandard 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.
Retail products aren't available to financial institutions or wholesale customers.
We no longer offer the Tertiary Pack to customers. If you're currently on a Tertiary Pack, you won't be able to extend it past the agreed expiry date, but your benefits will continue until then. You can find information about the Tertiary Pack on our products no longer offered page.