Compare accounts, rates & fees

Compare the interest rates, transaction fees and limits on our everyday and savings accounts.

Everyday account

Interest rates are subject to change. Service fees may apply.

Free Up

Interest rates

Free Up (hard-coded) for balances Free Up (hard-coded)

Transaction fees*

Account management fee

Free

Deposits and withdrawals at a Kiwibank branch1

$3 per transaction (one free deposit per month)

Electronic transfers between your Kiwibank accounts

Free

Electronic transactions2

Free

ATM withdrawal3

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.

*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.

 

Notice Saver1

Online Call

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

Online Call Fixed bonus rate (active)

Transaction fees*

Account management fee

Free

Free

Deposits and withdrawals at Kiwibank branch2

Free deposits; withdrawal N/A

Electronic transfers between your Kiwibank accounts

Free

Free

Kiwibank ATM withdrawal3

Withdrawal fee - automatic payment, bill payment and direct debit

Withdrawal fee - EFTPOS and online

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.

*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 now

Already a Kiwibank customer?

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

Log in to Internet Banking