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New Zealand·Compare·Institutions·Kiwibank

Kiwibank

8 products we hold published figures for
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Everything on this page is taken from Kiwibank's own published pages. Nobody there has reviewed or supplied it, and we are not them.

We hold figures for 8 of their products, each with the date it was read. If one is out of date, the page it came from is linked beside it.

Products we track

Credit cards

2 products
$0 · 12.90%
Fee$0Rate12.90%Overseas1.85%DaysUp to 55
Conditions
  • The same 12.90% applies to cash advances, which most issuers charge more for.
  • Interest-free days do not apply to cash advances or balance transfers.
  • Kiwibank call this an international transaction fee and charge it on transactions processed overseas, which by their own wording can include a purchase in New Zealand dollars from a .co.nz merchant whose payments are processed offshore.
Checked 16 September 2026
Source
$50 · 12.90%
Fee$50Rate12.90%Overseas1.85%DaysUp to 55
Conditions
  • Kiwibank charge $25 every six months; shown here annualised.
  • The same 12.90% applies to cash advances.
  • Charged on transactions processed overseas rather than on the currency, so it can apply to a New Zealand dollar purchase from a merchant whose payments are processed offshore.
Checked 16 September 2026
Source

Everyday accounts

1 product
Free Up
$0 a month · 0.00% a year on all balances
Fee$0 a monthTxnsElectronic and ATM free, $3 branchInterest0.00% a year on all balancesOverseas1.85% on Visa DebitSource
Conditions
  • Electronic and ATM transactions and transfers are free. The first branch deposit each month is free, and the $3 branch deposit or withdrawal fee is waived for under 19s, over 65s and non-profits.
  • Kiwibank publish the international transaction fee on their rates and fees page under "ATMs, EFTPOS card & Visa Debit Card fees": "When you use your ATM/EFTPOS card or Visa Debit Card for a transaction that is processed overseas" — "1.85% of the total amount". The section is collapsed until it is clicked, so the figure is not in the page's text until the reader expands that section.
  • Kiwibank charge the international fee on transactions processed overseas rather than on the currency, so it can apply to a New Zealand dollar purchase from a merchant who clears offshore.
  • Can be opened at any age with no minimum balance.
Checked 18 September 2026
Source

Business accounts

1 product
Business Edge
$5 a month, with no published waiver. · 25 branch deposits a month
Monthly fee$5 a month, with no published waiver.Transaction feesElectronic free, $0.20 bulk itemSourceIncluded25 branch deposits a monthInterest0.00% p.a. for balances $0+EligibilityNZ citizen or resident director
Conditions
  • The account is for businesses whose director is a New Zealand citizen or resident, and there is no published turnover ceiling.
  • National not-for-profit organisations, clubs, societies and associations may also use this account.
  • ATM, automatic payment, direct debit, bill payment and online withdrawals are free. The first 25 in-branch deposits each month are free, in-branch withdrawals are $0.70, and manual deposits are $1 each after the first 25.
  • The bulk payment price is on Kiwibank's business account rates and fees page, not the Business Edge page the rest of the row comes from: "Bulk payments fee (multiple payments & batch uploads) $0.20 per item".
  • Kiwibank publishes 0.00% p.a. on balances of $0 or more, which is a stated rate rather than an absence.
  • The cash handling fee applies above $4,000 of notes or $200 of coins deposited, or $4,000 of cash withdrawn, in a day.
Checked 18 September 2026
Source

Savings accounts

2 products
Online Call
1.90% p.a. variable, every dollar · Not published
Base rate1.90% p.a. variable, every dollarBonus rateNone.Bonus conditionsNone.TotalNot publishedNoticeOn call; no access restrictionsFeesNo fees when managed online
Conditions
  • Kiwibank's PIE Online Call account pays the same 1.90% under a capped 28% tax rate; this row is the non-PIE account.
  • The variable rate is calculated daily and paid monthly, on every dollar.
  • No conditions to meet; the rate does not depend on balance or activity.
Checked 9 October 2026
Source
Notice Saver
2.20% 32 days; 2.75% 90 days · Not published
Base rate2.20% 32 days; 2.75% 90 daysBonus rateNone.Bonus conditionsNone.TotalNot publishedNotice32 or 90 days, chosen per withdrawalFeesNo account fees; early exit charge
Conditions
  • Notice Saver is a PIE fund, so returns are taxed at a capped 28% rate.
  • Both rates are variable.
  • The rate is set by the chosen notice period, not a deposit or withdrawal condition.
  • An immediate withdrawal charge applies without notice.
Checked 9 October 2026
Source

Term deposits

1 product
Term Deposit
3.55% p.a. · 4.05% p.a.
3 mo3.05% p.a.6 mo3.55% p.a.9 mo3.70% p.a.12 mo4.05% p.a.18 monot-published24 mo4.30% p.a.5 yr4.85% p.a.
Conditions
  • Minimum deposit: $1,000; $10,000 for a PIE term deposit. Rates apply to the first $5 million of total deposits.
  • Interest paid: At maturity up to 200 days; monthly, quarterly, six-monthly or at maturity from 1 year. A PIE term deposit pays at maturity only.
  • Early withdrawal: Allowed by calling or visiting a branch; an early termination charge applies to the amount withdrawn.Source
  • Kiwibank publishes no 18-month term, so that cell is not-published rather than a rate. Its available terms run 30, 60, 90, 100, 120, 150 and 200 days and 6 and 9 months and 1, 2, 3, 4 and 5 years.
  • The rates table carries a separate PIE Term Deposit column and its effective rate at the top 39% tax rate; neither is carried in these ordinary columns, because a PIE headline is not comparable with an ordinary rate.
Checked 9 October 2026
Source

Youth accounts

1 product
Free Up, opened for a child or teenager
No monthly account management fee. · 0.00% p.a. for balances of $0 or more.
AgeOpen at any age; a parent or guardian operates it for a child under 13, and from 13 a teenager can open and operate one themselves. No closing age, and the under-19 transaction-fee waiver is the youth figure.Monthly feeNo monthly account management fee.Interest0.00% p.a. for balances of $0 or more.SourceBonus conditionsNone: Kiwibank pays 0.00% on every balance.SourceCardAn ATM/EFTPOS card from 10 with a parent's or guardian's permission; a Visa Debit card or ATM/EFTPOS card from 13.At the limitThe account does not end at an age. Kiwibank waives transaction fees for holders under 19 and over 65, so the under-19 waiver ends at 19.
Conditions
  • Kiwibank's children's page offers Online Call (1.90% p.a.), Notice Saver (2.20% p.a. on 32 days' notice) and term deposits alongside Free Up. None of those has a youth gate, so this table carries Free Up and names the alternatives instead of adding all-age savings rows.
Checked 9 October 2026
Source
SourceEvery figure on this page was read from Kiwibank's own published pages. We are not Kiwibank and this page is not theirs.
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The facts
Products we hold figures for
8
Oldest figure here
16 September 2026
Read from
7 pages they publish
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