A great everyday account if you:

  • like to bank online or on the go

  • prefer electronic statements (postal statements not available)

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

Account at a glance

  • You must have internet banking.

  • Access your money anytime with internet, mobile, text and phone banking as well as ATM and EFTPOS.

  • Link your account to a Visa Debit Card, which works like a standard EFTPOS card, for online, over the phone, mail order and overseas purchases.

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

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

  • Use our smart services including PayStream, Sweep or Alerts.

  • You won't earn interest on this account.

Rates and fees


Interest rate/fee

Interest rate

Account management fee


Deposits and withdrawals at a 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 **

Service fees may apply to non-Kiwibank ATM transactions. *


* 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


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

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.