Earn high interest across up to four Front Runner accounts, when the combined balance of those accounts is over $4,000.

Key features and benefits

  • You’re rewarded with higher interest the more money you have in your account.

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

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

Rates and fees

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


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


A cheque clearance fee will apply to cheque deposits.

Withdrawals at Kiwibank branch


How it works

Open an account

If you’re keen to open an account with a Kiwibank, 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

All Front Runner accounts must be held by the same person(s). If you’re opening a new account with Kiwibank, you'll need to verify your identity and address. You can do this online if you have a RealMe verified identity. Otherwise, bring two 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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