Account at a glance

  • Choose your own fee plan to match the way you bank:

    • $5 monthly fee plan – enjoy unlimited transactions for just $5 a month.
    • Pay as you go – pay no monthly account fees and just pay as you make transactions.
  • Access your money anytime with internet, mobile, text and phone banking as well as ATM and EFTPOS.

  • Get 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.

  • Choice of statement options – paper (fees apply), email or online.

Rates and fees


Pay as you go

$5 monthly plan

Interest rate

Account management fee


$5 per month

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

$0.40 per transaction


ATM withdrawal **

$0.80 per 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


The $5 monthly fee plan isn't available to 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.

You may also be interested in:

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