Nothing says ‘I love you’ more than setting up a fund for your favourite furry friend. Squirrel away a few dollars each pay day and you'll be able to manage those pet bills without needing to dip into your savings.

Gourmet treats, doggy day care, vet bills ... they all add up!

With regular deposits into your best friend fund, also known as a Free Up account, you won't have to worry about unexpected bills. You know the ones, like stays at Hotel Cat when you rush out of town for that surprise wedding.

Key features & benefits

  • Pay no monthly account fees and no online transaction fees.

  • Bank online through internet banking or the mobile app.

  • Add your pet's portrait and name to your account profile.

  • Choose between an EFTPOS or 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

Do it for Coco, Pongo or whoever

Start a best friend fund for your favourite pet.

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 using your smartphone, or your RealMe verified account, if you have one. 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.