On Thursday 25 March 2021 we stopped offering our Front Runner account, which means you can no longer open this account type. If you already have a Front Runner account, you'll be able to continue to use it.

We've simplified our offering to one everyday account; Free Up, which has no monthly account or electronic transaction fees. If you'd like to close your Front Runner and/or open a Free Up account please contact us.

Key features for existing customers

  • You’re rewarded with higher interest the more money you have in your account. Interest is calculated daily and paid into your account monthly.

  • No account management fees for balances over $4,000.

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

  • Ability to apply for an overdraft.

Rates & fees

Monthly account management fee $0 - $3,999 balance

When your combined balance of up to four Front Runner accounts with the same base account number falls below $4,000 at any time during the month, you will be charged a $15 per month fee.

Monthly account management fee $4,000+ balance


Interest rate for balances $0 - $3,999

Interest rate for balances $4,000 - $99,999

Interest rate for balances $100,000+

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 Kiwibank branch


Withdrawals at Kiwibank branch


Other accounts you may be interested in