Account at a glance

  • No electronic transaction fees or monthly account fees.

  • Earn interest on balances over $100.

  • No direct access through an EFTPOS card or debit card, so it’s harder to dip into your bill money.

  • Ability to apply for an overdraft to help you cover unexpected expenses or purchases.

  • Set up and track your savings goals with Goal Tracker.

Bad with bills?

Here’s how Bill Blaster can help you:

  • Use our bills calculator to work out how much you need for your regular bills each pay.

  • Set up PayStream to automatically transfer this amount to your Bill Blaster account each time you get paid.

  • Set up automatic payments or direct debits for all your regular bills.

  • Set up Sweep to transfer money automatically from your everyday account to your Bill Blaster account if your funds get too low – so you’ll never miss a payment.

More on managing your money

Rates and fees


Interest rate/fee

Interest rate for

Interest rate for

Account management fee


Deposits and withdrawals at Kiwibank branch *

$3 per transaction

(one free deposit per month)

Electronic transfers between your Kiwibank accounts


Electronic transactions

Online, EFTPOS, automatic payment, direct debit, bill payment


ATM withdrawal **


* A cheque clearance fee will apply to cheque deposits. This is set out in the service fee section under account general service fees.

** Service fees may apply to a balance enquiry or overseas ATM.

Read more about our rates and fees


You need a Free Up account to open a Bill Blaster account. Service fees may apply.

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.

Download Kiwibank’s Disclosure Statement (PDF 474.3 KB) or pick up a copy at your local Kiwibank.