Compare accounts, rates and fees

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.

Everyday accounts

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.

 

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.

A note about cheques

Kiwibank is phasing out cheques. See the timings and ways we can support you through this transition. Find out more.

Savings accounts

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.

Kids accounts

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.

Student packages

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.

  • Account management fee
  • Deposits and withdrawals at Kiwibank branch
  • Electronic transfers between your Kiwibank accounts
  • Kiwibank ATM withdrawal
  • Withdrawal fee - automatic payment, bill payment, direct debit, EFTPOS and online

Service fees may apply.

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.

Overdrafts

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

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.