We can help

Once you’ve got a decent chunk saved, you should talk to a professional about how to start building an investment portfolio. You don’t have to manage this yourself — but a little bit of knowledge will help you make decisions and follow what your funds are doing.

Ways Kiwibank can help you invest:

  • Notice Saver is our flexible investment option. You can add money whenever you like, then just give us 32 or 90 days’ notice to withdraw some or all of your funds.

  • Term Deposits earn a fixed rate of interest for a fixed term. There are no fees unless you break the term, and rates tend to be higher than those for standard savings accounts.

  • With an Online Call account you can withdraw money anytime you like, but you'll earn bonus interest if you don’t make any withdrawals in the calendar month.


If you’ve got a mortgage, you might be better off putting any extra cash into your repayments rather than investing it. Even small amounts can make a difference to the interest you’ll pay over the life of your home loan.

Talk to a Kiwi Wealth Adviser

Kiwi Wealth Advisers are Authorised Financial Advisers, and can help you figure out how to start investing. It’s free to go and see them — just make an appointment with your local adviser. They can help make sure your money’s in the right place, and working towards your long term plan. You don’t have to have tons of money saved to speak to an Adviser either – if you’ve started a savings habit and you’re interested in advice on anything from first homes to retirement, they can help.

Keep growing

Your journey to financial wellbeing and wealth doesn’t stop. As your financial situation becomes more comfortable, you’ll have more goals you’ll want to achieve and more to invest in the life you want.

At Kiwibank, we’re here for the long run, and keen to help you no matter where you are on your journey.

Please note

This is intended as general information only. It does not take into account your financial situation and goals and is not personal advice. For advice about your particular circumstances please see a financial adviser, or make an appointment with a Kiwi Wealth Adviser.

Download the Investment Terms and Conditions (PDF 354.1 KB) or pick up a copy from your local Kiwibank.

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.

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