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A savings account that rewards good behaviour – earn bonus interest if you deposit at least $20 each month and don’t make any withdrawals (except permitted withdrawals).

Key features & benefits

  • Earn in interest if you don't make any withdrawals (except permitted withdrawals) and deposit at least $20 in a month.

  • No account management or monthly fees.

  • Get one free withdrawal of any type per month, then $5 per withdrawal, and free deposits at a Kiwibank branch.

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

Rates & fees

Interest rate

Rate consists of base rate of plus bonus rate of , applied when no withdrawals (except permitted withdrawals) and minimum deposit requirements are met

Account management fee


Withdrawals - automatic payment, direct debit, bill payment

One free withdrawal of any type per month, then $5 per withdrawal

Withdrawals at a Kiwibank branch

One free withdrawal of any type per month, then $5 per withdrawal

Deposits at a Kiwibank branch


Interest rates are subject to change.

How it works

Bonus interest

Fast Forward Saver rewards you with bonus interest each calendar month when you:

  • make no withdrawals or transfers (except permitted withdrawals);
  • and deposit at least $20, on or before the last business day of the month.

Just be aware, any interest earnt doesn't count as a deposit.


Base rate

Bonus rate

Total rate


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.

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Already a Kiwibank customer?

Log in to internet banking and go to Apply & Open to make it happen.

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