Find the right investment for you
Never miss another special term deposit rate again
While you're out and about interest rates could be moving! Join our mailing list for a heads-up on limited time offers.
Apply for a savings or investment account
Put your money to work, apply online for a savings or investment account.
New to Kiwibank?
Welcome! Complete our online application form to join Kiwibank. From there you can open your new savings and investment account.
Join nowAlready a Kiwibank customer?
Log in to Internet Banking and go to Apply & Open to make it happen.
Log in to Internet BankingWant to talk through options?
No problem, the easiest way to apply is to complete our form and an investment specialist will call you.
Apply nowIf you're a business banking customer, find out more about opening a business account.
Depositor protection
The Depositor Compensation Scheme (DCS) came into effect on 1 July 2025. Please note that the DCS doesn't apply to KiwiSaver and Fisher Funds products. Find out more.
Important information
Interest rates are subject to change.
Retail products aren't available to financial institutions or wholesale customers.
Kiwibank investments
Kiwibank PIE Online Call Fund, Kiwibank PIE Term Deposit Fund and Kiwibank Notice Saver are funds within a Portfolio Investment Entity (PIE). Units in Kiwibank PIE Online Call Fund, Kiwibank PIE Term Deposit Fund and Kiwibank Notice Saver are distributed by Kiwibank Limited and are issued by Kiwibank Investment Management Limited.
Download Kiwibank investment terms and conditions or pick up copies from your nearest Kiwibank.
Fisher Funds Managed Funds and Private Portfolio Service
Fisher Funds Management Limited is the issuer and manager of the Fisher Funds Managed Funds (Funds) and the provider of Fisher Funds’ Private Portfolio Service (Private Portfolio Service). Download the Product Disclosure Statement for the Funds by visiting fisherfunds.co.nz.
Kiwibank Limited (Kiwibank) refers Kiwi to the Funds and the Private Portfolio Service for fulfilment of their wealth needs. Kiwibank may receive a payment from a Fisher Funds group entity if you join the Funds or the Private Portfolio Service.
Private Portfolio Service portfolios (Portfolios) do not, and investment in the Funds does not, represent a bank deposit or other liability of Kiwibank (other than where your Portfolio holds investments issued by Kiwibank). Portfolios are, and investment in the Funds is, subject to investment risk including possible decrease in value as the value of investments can go up and down. No person, including Kiwibank, guarantees the repayment of Portfolios or investments in the Funds or the payment of any returns on Portfolios or investment in the Funds.