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

Key features and benefits

  • Earn in interest if you don't make any 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 and fees

Interest rate

Rate consists of base rate of plus bonus rate of , applied when no 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;
  • 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.

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.

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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