Save with no hoops or hurdles
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Add or withdraw money whenever you need, no lock‑ins or restrictions.
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Earn interest from day one, calculated daily and paid monthly.
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No minimum balance, you get going with what you have and grow from there.
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Choose a PIE Online Call account where a capped tax rate could work in your favour.
Interest rates are subject to change.
How it works
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Choose how your savings are taxed
You can open an Online Call or PIE Online Call account, depending on your tax situation. They work the same way, but a PIE account may be more tax-efficient based on your Prescribed Investor Rate (PIR). Your earnings are taxed at your PIR, capped at 28%, so you may be able to keep more of what you earn.
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Access your money anytime with no reduced interest
Your money isn’t locked away. You can move it to your nominated account whenever you need to, without reduced interest or extra fees. If your nominated account details change, you can update them by sending us a secure message.
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Pay no account management or transaction fees
More of your money stays where it should with no account management or transaction fees when you manage your savings online. Other fees may still apply.
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Earn interest automatically, daily
Grow your savings in the background — no extra effort needed. Interest is calculated daily and paid monthly, so you can see your balance build. Add, transfer or access your money anytime, with no fees or restrictions without losing the interest you’ve earned.
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Open & manage it online
Open your Online Call or PIE Online Call account using the mobile app or internet banking. See our steps for how to open your Online Call or PIE Online Call.
Once open you'll be able to check your balance, add money or make withdrawals anytime, all online.
Open an Online Call account
Want to talk through options?
No problem, complete our online form and an investment specialist will call you.
Request a call backAlready a Kiwibank customer?
Log in to our mobile app or internet banking and go to 'Apply & Open' to make it happen.
Log in to Internet BankingNew to Kiwibank?
Welcome! Complete our online form to join Kiwibank and open your savings and investment accounts.
Join nowIf you're a business banking customer, find out more about opening a business account.
Other options you may be interested in
Standard terms and conditions
Interest rates are subject to change.
Units in the Kiwibank PIE Online Call Fund are distributed by Kiwibank and are issued by Kiwibank Investment Management Limited.
See all investments terms and conditions or pick up copies from your nearest Kiwibank.
This communication contains general information only and not investment or tax advice, and as such you shouldn't rely on it as the sole basis for any financial decision. Potential investors should seek professional advice as to whether an investment is right for them, including the taxation implications of such an investment.
Retail products aren't available to financial institutions or wholesale customers.
$500 million statement
We’ve estimated that Kiwi households and businesses could be missing out on around $500 million every year in interest they could be earning.
This information is based on publicly available data published by the Reserve Bank of New Zealand (RBNZ). The savings balance used is the total held in savings accounts across all registered banks in New Zealand. The estimated $500 million figure is calculated by applying the difference between Kiwibank’s Online Call interest rate and the average market savings rate to the savings balance. Actual outcomes may differ depending on customer behaviour, product mix, and changes in interest rates.