A general purpose savings account that lets you earn interest, but still have instant access to your money if you need it.

Key features and benefits

  • Earn interest, but access your money when you need it with an EFTPOS or a Visa Debit Card.

  • No account management fees.

  • Set up and track your savings goals inside this account with Goal Tracker.

Rates and fees

Interest rate

Account management fee


Electronic transfers between your Kiwibank accounts


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

Open an account

If you're keen to start building your nest egg with a savings account, you can apply online.

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.

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