Kiwibank: Print rates

Home loan terms	Special interest rate* If you have more than 20% equity	Standard interest rate* If you have less than 20% equity
562 - Home Loan 6 months fixed rate (active)	562 - Home Loan 6 months fixed rate (active)	676 - Home Loan standard 6 months fixed rate (active)
563 - Home Loan 1 year fixed rate (active)	563 - Home Loan 1 year fixed rate (active)	677 - Home Loan standard 1 year fixed rate (active)
565 - Home Loan 2 year fixed rate (active)	565 - Home Loan 2 year fixed rate (active)	679 - Home Loan standard 2 year fixed rate (active)
567 - Home Loan 3 year fixed rate (active)	567 - Home Loan 3 year fixed rate (active)	681 - Home Loan standard 3 year fixed rate (active)
568 - Home Loan 4 year fixed rate (active)	568 - Home Loan 4 year fixed rate (active)	682 - Home Loan standard 4 year fixed rate (active)
569 - Home Loan 5 year fixed rate (active)	569 - Home Loan 5 year fixed rate (active)	683 - Home Loan standard 5 year fixed rate (active)
571 - Home Loan Variable Rate (active)	571 - Home Loan Variable Rate (active)+	685 - Home Loan standard variable rate (active)+
Offset variable	572 - Home Loan Offset Mortgage Rate (active)	572 - Home Loan Offset Mortgage Rate (active)
Revolving	663 - Home Loan special revolving rate (hardcoded) ACTIVE	675 - Home Loan standard revolving rate (hard coded) ACTIVE

Overdraft	Current rates p.a.
625 - Overdraft authorised rate (active)	625 - Overdraft authorised rate (active)
626 - Overdraft unauthorised rate (active)	626 - Overdraft unauthorised rate (active)
Tertiary Overdraft	665 - Overdraft -Tertiary and Graduate (hardcoded) active

NOW account	Current rates p.a.
586 - Now Account (active)	586 - Now Account (active)
Free Up account	Current rates p.a.
658 - Free Up (hard-coded) active	658 - Free Up (hard-coded) active
Bill Blaster	Current rates
Bill Blaster $0 - $99 (active)	611 - Bill Blaster $0 - $99 (active)
Bill Blaster $100 + (active)	612 - Bill Blaster $100 + (active)
Front Runner	Current rates p.a.
595 - Front Runner $0-$3,999 (active)	595 - Front Runner $0-$3,999 (active)
596 - Front Runner $4,000 - $14,999 (active)	596 - Front Runner $4,000 - $14,999 (active)
597 - Front Runner $15,000 - $49,999 (active)	597 - Front Runner $15,000 - $49,999 (active)
598 - Front Runner $50,000 - $99,999 (active)	598 - Front Runner $50,000 - $99,999 (active)
599 - Front Runner $100,000+ (active)	599 - Front Runner $100,000+ (active)

First Saver	Current rates p.a.
593 - First Saver $0+ (active)	593 - First Saver $0+ (active)
Back-up Saver	Current rates p.a.
587 - Back-up Saver $0 + (active)	587 - Back-up Saver $0 + (active)
Fast Forward Saver	Current rates p.a.*
589 - Fast Forward Saver $0 - $999 (active)	589 - Fast Forward Saver $0 - $999 (active)

Credit card	Current rates p.a.
733 - Zero Visa - interest rate on purchases (active)	733 - Zero Visa - interest rate on purchases (active)
734 - Zero Visa - cash advance rate (active)	734 - Zero Visa - cash advance rate (active)
582 - Platinum Visa - interest rate on purchases (active)	582 - Platinum Visa - interest rate on purchases (active)
583 - Platinum Visa - cash advance rate (active)	583 - Platinum Visa - cash advance rate (active)

Air New Zealand Airpoints Credit Card	Current rates p.a.
735 - Airpoints Low Fee Visa - interest rate on purchases (active)	735 - Airpoints Low Fee Visa - interest rate on purchases (active)
730 - Airpoints Low Fee Visa - cash advance rate (active)	730 - Airpoints Low Fee Visa - cash advance rate (active)
580 - Airpoints Standard Visa - interest rate on purchases (active)	580 - Airpoints Standard Visa - interest rate on purchases (active)
581 - Airpoints Standard Visa - cash advance rate (active)	581 - Airpoints Standard Visa - cash advance rate (active)
584 - Airpoints Platinum Visa - interest rate on purchases (active)	584 - Airpoints Platinum Visa - interest rate on purchases (active)
585 - Airpoints Platinum Visa - cash advance (active)	585 - Airpoints Platinum Visa - cash advance (active)

Investments

Online Call	Current rates p.a.
Personal Online Call	614 - Online Call base rate (active)
Business Online Call	609 - Business Online Call $2,000 + (active)*
PIE Online Call	621 - PIE Online Call base rate (active)

Notice Saver	Current rates p.a.
618 - Notice Saver 32 days $2,000 + (active)	618 - Notice Saver 32 days $2,000 + (active)
620 - Notice Saver 90 days $2,000 + (active)	620 - Notice Saver 90 days $2,000 + (active)

*Business Online Call this rate includes a base rate + a bonus interest of 0.05% p.a. if no withdrawals are made within the calendar month and there is a minimum balance of $2,000.

Term Deposit

Kiwibank PIE Term Deposit Fund (minimum deposit $10,000)

Redemption period (term)	Current rates (Class)	Effective rate *
554 - PIE Term Deposit - 90 days (active)	554 - PIE Term Deposit - 90 days (active)	554 - PIE Term Deposit - 90 days (active)
555 - PIE Term Deposit - 100 days (active)	555 - PIE Term Deposit - 100 days (active)	555 - PIE Term Deposit - 100 days (active)
556 - PIE Term Deposit - 120 days (active)	556 - PIE Term Deposit - 120 days (active)	556 - PIE Term Deposit - 120 days (active)
557 - PIE Term Deposit - 150 days (active)	557 - PIE Term Deposit - 150 days (active)	557 - PIE Term Deposit - 150 days (active)
558 - PIE Term Deposit - 6 months (active)	558 - PIE Term Deposit - 6 months (active)	558 - PIE Term Deposit - 6 months (active)
559 - PIE Term Deposit - 200 days (active)	559 - PIE Term Deposit - 200 days (active)	559 - PIE Term Deposit - 200 days (active)
560 - PIE Term Deposit - 9 months (active)	560 - PIE Term Deposit - 9 months (active)	560 - PIE Term Deposit - 9 months (active)
561 - PIE Term Deposit - 1 year (active)	561 - PIE Term Deposit - 1 year (active)	561 - PIE Term Deposit - 1 year (active)

Term Deposit rates apply to the first $5 million of total deposits you hold with Kiwibank. If you are investing more than $5 million, please contact us to discuss rates.

*The effective rate takes into account the potential tax rate savings relative to interest earned on a direct investment that would otherwise be assessed at the top marginal tax rate (which is higher than the maximum tax rate on PIE returns). The effective rate may vary depending on the investor's personal taxation position..

Interest rates are current as at . Rates are subject to change.

Interest Rates

Loans

Everyday accounts

Savings accounts

Credit cards

Interest Rates

Investments

Term Deposit

Kiwibank PIE Term Deposit Fund (minimum deposit $10,000)

Interest paid at maturity (p.a)	$1,000+	$5,000+	$10,000+	$50,000+
355 - Term Deposit 30 days $5,000 + (active)	N/A	Term Deposit 30 days $5,000 + (active)	356 - Term Deposit 30 days $10,000 + (active)	357 - Term Deposit 30 days $50,000 + (active)
360 - Term Deposit 60 days $5,000 + (active)	N/A	360 - Term Deposit 60 days $5,000 + (active)	361 - Term Deposit 60 days $10,000 + (active)	362 - Term Deposit 60 days $50,000 + (active)
Term Deposit 90 days $1,000 + (active)	364 - Term Deposit 90 days $1,000 + (active)	365 - Term Deposit 90 days $5,000 + (active)	366 - Term Deposit 90 days $10,000 + (active)	367 - Term Deposit 90 days $50,000 + (active)
374 - Term Deposit 100 days $1,000 + (active)	374 - Term Deposit 100 days $1,000 + (active)	375 - Term Deposit 100 days $5,000 + (active)	376 - Term Deposit 100 days $10,000 + (active)	377 - Term Deposit 100 days $50,000 + (active)
379 - Term Deposit 120 days $1,000 + (active)	379 - Term Deposit 120 days $1,000 + (active)	380 - Term Deposit 120 days $5,000 + (active)	381 - Term Deposit 120 days $10,000 + (active)	382 - Term Deposit 120 days $50,000 + (active)
384 - Term Deposit 150 days $1,000 + (active)	384 - Term Deposit 150 days $1,000 + (active)	385 - Term Deposit 150 days $5,000 + (active)	386 - Term Deposit 150 days $10,000 + (active)	387 - Term Deposit 150 days $50,000 + (active)
389 - Term Deposit 6 months $1,000 + (active)	389 - Term Deposit 6 months $1,000 + (active)	390 - Term Deposit 6 months $5,000 + (active)	391 - Term Deposit 6 months $10,000 + (active)	392 - Term Deposit 6 months $50,000 + (active)
394 - Term Deposit 200 days $1,000 + (active)	394 - Term Deposit 200 days $1,000 + (active)	395 - Term Deposit 200 days $5,000 + (active)	396 - Term Deposit 200 days $10,000 + (active)	397 - Term Deposit 200 days $50,000 + (active)
Term Deposit 9 months $1,000 + (active)	399 - Term Deposit 9 months $1,000 + (active)	400 - Term Deposit 9 months $5,000 + (active)	401 - Term Deposit 9 months $10,000 + (active)	402 - Term Deposit 9 months $50,000 + (active)
404 - Term Deposit 1 year $1,000 + (active)	404 - Term Deposit 1 year $1,000 + (active)	406 - Term Deposit 1 year $5,000 + (active)	408 - Term Deposit 1 year $10,000 + (active)	410 - Term Deposit 1 year $50,000 + (active)
414 - Term Deposit 2 year $1,000 + (active)	414 - Term Deposit 2 year $1,000 + (active)	416 - Term Deposit 2 year $5,000 + (active)	418 - Term Deposit 2 year $10,000 + (active)	420 - Term Deposit 2 year $50,000 + (active)
424 - Term Deposit 3 year $1,000 + (active)	424 - Term Deposit 3 year $1,000 + (active)	426 - Term Deposit 3 year $5,000 + (active)	428 - Term Deposit 3 year $10,000 + (active)	430 - Term Deposit 3 year $50,000 + (active)
434 - Term Deposit 4 year $1,000 + (active)	434 - Term Deposit 4 year $1,000 + (active)	436 - Term Deposit 4 year $5,000 + (active)	438 - Term Deposit 4 year $10,000 + (active)	440 - Term Deposit 4 year $50,000 + (active)
444 - Term Deposit 5 year $1,000 + (active)	444 - Term Deposit 5 year $1,000 + (active)	446 - Term Deposit 5 year $5,000 + (active)	448 - Term Deposit 5 year $10,000 + (active)	450 - Term Deposit 5 year $50,000 + (active)
Interim interest options (p.a.)	$1,000+	$5,000+	$10,000+	$50,000+
405 - Term Deposit: 1 year, $1k+, monthly interest	405 - Term Deposit: 1 year, $1k+, monthly interest	407 - Term Deposit: 1 year, $5k+, monthly interest	409 - Term Deposit: 1 year, $10k+, monthly interest	411 - Term Deposit: 1 year, $50k+, monthly interest
415 - Term Deposit: 2 year, $1k+, monthly interest	415 - Term Deposit: 2 year, $1k+, monthly interest	417 - Term Deposit: 2 year, $5k+, monthly interest	419 - Term Deposit: 2 year, $10k+, monthly interest	421 - Term Deposit: 2 year, $50k+, monthly interest
425 - Term Deposit: 3 year, $1k+, monthly interest	425 - Term Deposit: 3 year, $1k+, monthly interest	427 - Term Deposit: 3 year, $5k+, monthly interest	429 - Term Deposit: 3 year, $10k+, monthly interest	431 - Term Deposit: 3 year, $50k+, monthly interest
435 - Term Deposit: 4 year, $1k+, monthly interest	435 - Term Deposit: 4 year, $1k+, monthly interest	437 - Term Deposit: 4 year, $5k+, monthly interest	439 - Term Deposit: 4 year, $10k+, monthly interest	441 - Term Deposit: 4 year, $50k+, monthly interest
445 - Term Deposit: 5 year, $1k+, monthly interest (active)	445 - Term Deposit: 5 year, $1k+, monthly interest (active)	447 - Term Deposit: 5 year, $5k+, monthly interest (active)	449 - Term Deposit: 5 year, $10k+, monthly interest (active)	451 - Term Deposit: 5 year, $50k+, monthly interest (active)