Our easy to manage everyday account with no monthly account or electronic transaction fees – great for your day-to-day banking needs.

Key features & benefits

  • No monthly account fee and free online transactions.

  • Bank online through internet banking and the mobile app.

  • You can open multiple Free Up accounts with custom nicknames and images to help you keep on top of your money.

  • You can choose between an EFTPOS or a Visa Debit Card.

Rates & fees

Account management fee


Electronic transactions - Online, EFTPOS, automatic payment, direct debit, bill payment


Electronic transfers between your Kiwibank accounts


ATM withdrawal


Service fees may apply to a balance enquiry or overseas ATM.

Deposits at a Kiwibank branch

One free deposit per month; $3 per transaction after that

Withdrawals at a Kiwibank branch

$3 per transaction

Interest rate

for balances $0+

How it works

Open a Free Up account

If you’d like to open a Free Up account, let’s get started.

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

If you’re opening a new account with Kiwibank, we'll need to verify your identity and address. You can do this online if you have a RealMe verified identity. Otherwise, you’ll need to bring acceptable forms of ID and proof of address to your nearest Kiwibank. Please give us a call to book an appointment before you visit.

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