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

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.

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

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