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, you'll need to verify your identity and address. You can do this if you have a RealMe verified identity. Otherwise, you need to bring two forms of ID and proof of address at your local Kiwibank. Please give us a call to book an appointment before you visit.

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