First Saver

First Saver is the perfect first bank account for young savers with big plans.

  • No minimum balance required.
  • Personalise your account name to help you stay motivated to save, like ‘Sam’s bike savings’.

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Everyday accounts

  • Monitor your money with online banking, mobile banking or phone banking. If you’re under 13, you can check your account information but can’t make payments online.
  • If you’re 13 or over, you can get your own ATM/EFTPOS card. If you’re aged between 10 and 13, you can get a card with your parents’ consent
  • Once you turn 15, you can get a Visa Debit Card to buy things online, over the phone and overseas.

Free Up

  • No account management or electronic transaction fees, even after you turn 19! (service fees may apply.)
  • No paper statements – check your account through online banking or have your statements emailed to you.

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Now account

  • No account management or transaction fees if you’re under 19.
  • Get your statements in the mail to help you keep track of your spending.

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Begin the join process:


Youth accounts are available to anyone aged under 19 years. Accounts are opened in the child’s name but with different account set-up options available, based on the child’s age.

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Other fees may apply. Download Kiwibank’s Disclosure Statement (PDF 1.0 MB) or pick up a copy at your local Kiwibank.