Want to make the most of your money in the bank? Whether it’s in a savings account, a high interest call account, or a term deposit, our savings and investment options can help you reach your financial goals faster. If you need a hand, Kiwi Wealth Advisers may be able to help. Find out more or make an appointment by calling 0800 529 325.

A disclosure statement required under the Financial Advisers Act 2008 is available, free of charge, from your Kiwi Wealth Adviser or on request by calling 0800 529 325.

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?
  • 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 ideal 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.

We offer a range of savings and investment options to suit different circumstances.

Helping you reach your savings goals

We have several savings account options that can help you reach your savings goals more quickly. First Saver is our account for under-19s, Back-up Saver is great for setting money aside for a rainy day, and with Fast Forward Saver, you get higher interest if you save regularly and don't make withdrawals.

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 available but Online Call could provide better returns for these amounts.

Tax smart investments

If you’re paying tax on deposits at 33% or 30%, a Portfolio Investment Entity (PIE) could reduce your tax and increase your savings. Kiwibank offers a PIE Term Deposit Fund and a PIE Online Call Fund.

Understand what you’re putting your money into

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.

Download the Kiwibank Term Deposit Terms and Conditions (PDF 40.1 KB).

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 the Investment Terms and Conditions (PDF 354.1 KB), pick up a copy from your local Kiwibank, or call 0800 529 325.

Download Kiwibank’s Disclosure Statement (PDF 474.3 KB) or pick up a copy at your local Kiwibank.