A great everyday account if you:

  • like to bank online or on the go

  • like fee free electronic banking (branch transaction fees or service fees may apply)

  • prefer electronic statements (postal statements not available)

How it works

  • Access your money through EFTPOS, ATMs, TXT banking, internet or mobile banking (cheque books not available)
  • Link your Visa Debit Card to this account
  • Connect it to some smart services like Sweep or Alerts
  • You won't earn interest on this account
  • You must have internet banking

If you’re opening a new account with Kiwibank, we’ll need to see some ID to verify your identity and your address at your local Kiwibank.

Interest rates and fees

Interest rate


Account management fee


Deposits and withdrawals at a Kiwibank branch

A cheque clearance fee may apply to certain deposits.*

$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

Service fees may apply to non-Kiwibank ATM transactions*


Cheque withdrawal


* Detailed under Service fees


Free Up is available to most customers apart from companies, trusts or organisations.

Download Kiwibank’s Disclosure Statement (PDF 913.8 KB) or pick up a copy at your local Kiwibank.