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Welcome! Complete our online application form to join Kiwibank and open your first account.
Join nowLog in to internet banking and go to Apply & Open to make it happen.
Log in to Internet BankingA 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).
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.
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 |
Free |
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 |
Free |
Interest rates are subject to change.
You'll earn bonus interest each calendar month if you deposit at least $20, on or before the last business day of the month, and don't make any withdrawals or transfers (except permitted withdrawals).
You don't get an EFTPOS or ATM card, which makes it harder to dip into your savings.
Access your money anytime with internet, mobile, text and phone banking.
You can use this account to fund Kiwibank Term Deposits, PIE Term Deposits or Notice Saver accounts without impacting your bonus interest. This is providing the funds are transferred directly in an immediate transfer.
If you’re opening a new account with Kiwibank, we'll need to verify your identity and address.
Set up and track your savings goals in internet banking with Goal Tracker.
Fast Forward Saver rewards you with bonus interest each calendar month when you:
Just be aware, any interest earnt doesn't count as a deposit.
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Bonus rate |
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$0+ |
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Balance |
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$0+ |
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If you're keen to start building your nest egg with a savings account, you can apply online.
Welcome! Complete our online application form to join Kiwibank and open your first account.
Join nowLog in to internet banking and go to Apply & Open to make it happen.
Log in to Internet BankingIf 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.
Earn interest, but have instant access to your money.
Interest rates are subject to change.
Add money whenever you like, give notice to make a withdrawal.
Rates of return are subject to change.
Earn good returns and have immediate access to your funds.
Interest rates are subject to change.
Download Kiwibank’s Disclosure Statement (PDF 3.8 MB) or pick up a copy at your nearest Kiwibank.
Retail products aren't available to financial institutions or wholesale customers.