• Your choice of fee plans, to match the way you bank

  • You can get a Visa Debit Card, which works like a standard ATM/EFTPOS card but can be used online, over the phone, for mail order and overseas

  • Phone, internet and mobile banking

  • Ability to apply for an overdraft

  • Access to a cheque book

  • Smart services such as PayStream, Sweep and Alerts

  • Choice of statement options - paper, email or online

  • Set up and track your savings goals inside this account with Goal Tracker

  • Find out more about Now account’s rates and fees.

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. Find out more

Fee plans

$5 flat monthly fee

Enjoy unlimited transactions for just $5 a month. Service fees may apply.

Pay as you go

You only pay for withdrawals from your account. There are no monthly account fees and no transaction fees for deposits or transfers between your Kiwibank accounts. Service fees (including cash handling and cheque clearance fees) may apply.

No everyday fees for some people

You won't pay any account or transaction fees on your personal accounts if you:

  • are a full time tertiary student
  • are under 19
  • are a non-profit organisation
  • have a Kiwibank home loan
  • receive New Zealand Superannuation and have it paid into your Kiwibank personal account.


Sorry, the $5 monthly fee plan isn't available to companies, trusts or organisations.

Download Kiwibank’s Disclosure Statement (PDF 157.1 KB) or pick up a copy at your local Kiwibank.