Making the most of your money

It’s never too early (or too late) to start saving or investing. We’ve got savings and investment options to help you reach your financial goals, whether that’s a new pair of shoes, a new set of wheels or a cushy retirement.

Starting out

Ask yourself the big questions before you start – the answers will help you choose a solution that suits your circumstances and your goals.

  • How often will you need to access your money?
  • When will you want to cash in your investment?
  • Are you on a high tax rate? (Hint: If you are, think about a PIE)
  • Do you have a retirement savings plan and have you worked out how much you'll need?
  • Will you be regularly adding to your savings?

Finding the right investment is all about striking a balance between a return you’re happy with, the risk you’re prepared to take, and having access to your money when you need it.

Try our investment selector to see what might suit you.

Helping you reach your savings goals

Whether it’s in a savings account, a call account, a Notice Saver, or a term deposit, our savings and investment options can help you reach your financial goals faster.

Ready access and competitive interest

With our Online Call account, you get the best of both worlds: a competitive interest rate and access to your money any time.

Set and forget for high interest

If you have $5,000 or more that you don't need access to right now, a Term Deposit could be just the thing. You choose the term – from 30 days to five years – and your money earns top interest rates. Term Deposits under $5,000 are also available.

Remove temptation

If you don’t want to lock away your savings for a set term, but are worried you’ll keep dipping into your account, a Notice Saver could be right for you. It’s a flexible savings account that lets you earn good interest, but doesn’t give instant access to your money. Just give us notice (either 32 days or 90 days) when you want to make a withdrawal.

Tax smart investments

A Portfolio Investment Entity (PIE) could reduce your tax and increase your savings, where your normal tax (RWT) is lower than your PIR tax rate. Kiwibank’s Notice Saver is a PIE account, and we also offer a PIE Term Deposit Fund and a PIE Online Call Fund.

Try our PIE investment calculator to compare the interest you’d make in a PIE fund with our standard investment accounts.

Do your homework

Before you commit your money to anything, make sure you understand what you’re investing in. Check the fees and read the fine print.

Will you be penalised for withdrawing money early? Are there any other requirements you need to know about? And just as importantly, does the product offer any particular benefits or bonuses?

Before you make any big decisions, it’s always a good idea to speak to an independent financial adviser.