If you want a savings account that lets you earn good returns and have immediate access to your funds, our Online Call account is for you.

Key features & benefits

  • Great if you need immediate access to your money.

  • Earn bonus interest each calendar month when you make no withdrawals or transfers (except permitted withdrawals), and have a minimum balance of $2,000 in your account.

  • Add money whenever you like and leave it in your account for as long as you like.

Interest rates are subject to change.

How it works

Bonus interest

Online Call rewards you with bonus interest each calendar month when you:

  • make no withdrawals or transfers (except permitted withdrawals); and
  • have a minimum balance of $2,000 in your account at any time.


Base rate

Bonus rate

Total rate

$0 - $1,999


PIE Online Call

It works the same as a regular Online Call, but it could have tax advantages for you. Usually you’d pay your regular income tax on interest earned on savings accounts, which could be up to 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 an account that you nominate when you set up your investment. To change this account, please complete a nominated account change form (PDF 43.2 KB).

Apply now

If you’re keen to build your nest egg with an Online Call account, you can apply online.

New to Kiwibank or want to talk through options?

No problem, the easiest way to apply is to complete our form and an investment specialist will call you.

Apply now

Already a Kiwibank customer?

Log in to Internet Banking and go to Apply & Open to make it happen.

Log in to Internet Banking

In branch

You can also visit one of our branches whether you're new to Kiwibank or already a Kiwibank customer.

Find my nearest Kiwibank

Once your application is complete, our team will get in touch with you so make sure you have your:

  • IRD number and the IRD number of any joint applicant(s)
  • Prescribed Investor Rate (PIR) if you're applying for a PIE investment
  • Passport and/or driver licence to verify your identity and your address.

If you're a business banking customer, please call 0800 601 601 or talk to our business banking managers.

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