Key features & benefits
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Gives you immediate access to your money as no withdrawal notice is required.
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Flexibility to make as many withdrawals as you like, while still earning interest.
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No account management or transaction fees.
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Add money whenever you like and leave it in your account for as long as you like.
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No minimum age or balance required to open an account or earn interest.
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Choose from an Online Call or a PIE Online Call account. PIE Online Call is a PIE investment.
Interest rates are subject to change.
How it works
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Fees & charges
There are no account management or transaction fees because you manage your savings online (other fees may apply).
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Nominated account
When you open your account, you'll be asked to nominate an everyday account. When making a withdrawal, your funds will go into this account. To change your nominated account send us a secure message through our mobile app or internet banking.
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Self-manage your account
You're in control – you can open and manage your Online Call account anytime and anywhere using our mobile app or internet banking.
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Take control of your savings
You have the flexibility to make deposits or withdrawals when it suits you, at no charge.
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Earning interest
Interest is calculated daily and paid monthly back into your Online Call account.
PIE Online Call
It works the same as a regular Online Call, but it could have tax advantages if your regular income tax rate is 30, 33 or 39%. With a PIE, the maximum tax you’ll pay on the returns you earn is 28% – meaning you could keep more of your return in your pocket.
Withdrawals from a PIE Online Call go into one of your Kiwibank accounts or an account that you nominate when you set up your investment. To change this account, please complete a nominated account change form or send us a secure message through our mobile app or internet banking.
Apply now
New to Kiwibank?
Welcome! Complete our online form to join Kiwibank and open your savings and investment accounts.
Join nowAlready 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 BankingWant to talk through options?
No problem, complete our online form and an investment specialist will call you.
Request a call backIf 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.