Back-up Saver
A general purpose savings account that lets you earn interest, but still have instant access to your money if you need it. This is the best of both worlds.
Key features & benefits
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Earn interest, but access your money when you need it with an EFTPOS or a Visa Debit Card.
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No account management fees.
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Set up and track your savings goals inside this account with Goal Tracker.
Rates & fees
Interest rate |
|
Account management fee |
Free. |
Electronic transfers between your Kiwibank accounts |
Free. |
Withdrawals - ATM, Online, EFTPOS, automatic payment, direct debit, bill payment |
$1 per transaction. |
Withdrawals at a Kiwibank branch |
$3 per transaction. |
Deposits at a Kiwibank branch |
One free deposit per month; $3 per transaction after that. |
Interest rates are subject to change.
How it works
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How interest is paid
Interest is calculated daily and paid monthly into your account.
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Managing your account
Open and manage your account using internet banking, mobile app or phone banking as well as ATM and EFTPOS.
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Name your account
You can personalise or name your account, like 'Christmas shopping account'.
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Transfers
Transfer between your accounts for free.
Open an account
If you're keen to start building your nest egg with a savings account, you can apply online.
If you’re opening a new account with us, you'll need to verify who you are. You can do this using your smartphone or RealMe account. Otherwise, you’ll need to bring some ID and proof of address to your nearest Kiwibank.
New to Kiwibank?
Welcome! Complete our online application form to join Kiwibank and open your first account.
Join nowAlready a Kiwibank customer?
Log in to internet banking and go to Apply & Open to make it happen.
Log in to Internet BankingOther accounts you might be interested in
Download Kiwibank’s Disclosure Statement (PDF 1.0 MB) or pick up a copy at your nearest Kiwibank.
Retail products aren't available to financial institutions or wholesale customers.