Online Call account

Save your way with our Online Call account. Add or withdraw money anytime, and earn interest on every dollar. This is savings done a little differently.
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Grow your savings with flexibility

  • Add or withdraw anytime, with no limits on how often you move your money.

  • Access your money with immediate transfers and no withdrawal notice or fees.

  • Grow your savings from day one with interest calculated daily and paid monthly.

  • Keep more of what you earn with the PIE option, which may offer tax advantages with a capped tax rate.

  • Start saving your way — open an account at any age with no minimum balance.

Talk to an investment specialist
See all rates and charges

Interest rates are subject to change.

How it works

  • Choose your account

    Pick the account that works best for you. An Online Call PIE account works the same as an Online Call, with potential tax advantages. If your income tax rate is 30%, 33% or 39% it caps the tax you'll pay on your returns at 28%, meaning you could keep more of what you earn.

  • Open your account

    You can open your Online Call or PIE Online Call account using our mobile app or internet banking.

  • Nominate an account for withdrawals

    Nominate an everyday account for your withdrawals. Any withdrawals you make will be paid into this account. You can change this anytime by sending us a secure message through our mobile app or internet banking.

  • Manage your account online

    Check your balance, add money, or make withdrawals anytime using our mobile app or internet banking.

  • Earn interest daily

    Interest is calculated daily and paid monthly back into your Online Call account.

  • Fees & charges

    There are no account management or transaction fees because you manage your savings online (other fees may apply).

See step-by-step instructions on how to open an Online Call or PIE Online Call.

Keep more of your returns with a PIE

Dad and kid on deck

You could pay less tax with a Portfolio Investment Entity (PIE). Learn more about PIE Online Call and other PIE options, and whether they suit your saving goals.

More about PIEs

Open an Online Call account

New to Kiwibank?

Welcome! Complete our online form to join Kiwibank and open your savings and investment accounts.

Join now

Already a Kiwibank customer?

Log in to our mobile app or internet banking and go to 'Apply & Open' to make it happen.

Log in to Internet Banking

Want to talk through options?

No problem, complete our online form and an investment specialist will call you.

Request a call back

If you're a business banking customer, find out more about opening a business account.

Other options you may be interested in

Depositor protection

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Online Call accounts are protected under the Depositor Compensation Scheme.

Standard terms and conditions

Interest rates are subject to change.

Units in the Kiwibank PIE Online Call Fund are distributed by Kiwibank and are issued by Kiwibank Investment Management Limited.

See all investments terms and conditions or pick up copies from your nearest Kiwibank.

This communication contains general information only and not investment or tax advice, and as such you shouldn't rely on it as the sole basis for any financial decision. Potential investors should seek professional advice as to whether an investment is right for them, including the taxation implications of such an investment.

Retail products aren't available to financial institutions or wholesale customers.