There are many types of Savings and Cash Management Accounts - to find out about the interest rates, fees and Customer Account Fee rebates when using them just select the option you are interested in from the list below:
Please note that Service Fees may be charged in addition to Account Fees and are subject to change without notice. All interest rates are updated regularly and are subject to change without notice.
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Personal Savings and Call Accounts |
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Rapid Save |
Achiever Savings |
Personal Call Account |
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Credit Interest Rates
Current % p.a
(Effective 08 December 2009)
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0.25% base rate
2.00% bonus rate
($0 - $999)
0.50% base rate
2.00% bonus rate
($1,000 - $4,999)
1.25% base rate
2.00% bonus rate
($5,000+) |
0.00% base rate
1.00% bonus rate
($0 - $999)
0.25% base rate
1.00% bonus rate
($1,000 - $4,999)
1.00% base rate
1.00% bonus rate
($5,000+) |
0.00%
(less than $5,000)
0.50%
($5,000 - $19,999)
0.85%
($20,000 - $99,999)
1.35%
($100,000 - $249,999)
2.10%
($250,000 - $499,999)
2.35%
($500,000+) |
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Monthly1 base or account management fee |
None |
None |
None if average daily balance is $5,000 or more, otherwise $5.00 |
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No Account Fees apply to the following: |
No charges for deposits4 or for the first withdrawal per month.
Service Fees may apply |
No charges for deposits4 or the first withdrawal per month Service Fees may apply |
No charges for deposits4 .No charges for withdrawals if transaction amount is $500 or more, otherwise $2.50. Service Fees may apply |
| BNZ Internet Banking? |
$5.00
Service Fees may apply |
$2.50
Service Fees may apply |
No charge if transaction amount is $500 or more, otherwise $2.50. Service Fees may apply |
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Electronic Transactions:
(EFTPOS, Bill Payments, Direct Credits, Direct Debits, Telephone Banking? , self service transactions) |
$5.00
Service Fees may apply |
$2.50
Service Fees may apply |
No charge if transaction amount is $500 or more, otherwise $2.50. Service Fees may apply |
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Automatic Payments2 |
$5.00
Service Fees may apply |
$2.50
Service Fees may apply |
No charge if transaction amount is $500 or more, otherwise $2.50. Service Fees may apply |
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ATM? |
$5.00
Service Fees may apply |
$2.50
Service Fees may apply |
No charge if transaction amount is $500 or more, otherwise $2.50. Service Fees may apply |
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Cheques written |
Not applicable to these accounts |
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Freepost Deposits |
No charge4 |
No charge4 |
No charge4 |
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Store/staff assisted transactions |
$5.00
Service Fees may apply |
$2.50
Service Fees may apply |
No charge if transaction amount is $500 or more, otherwise $2.50 |
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Express Deposit Tower deposits |
No charge4 |
No charge4 |
No charge4 |
| Overdrawn savings account fee |
$5.00 for any month overdrawn. You will also pay interest on the overdrawn amount at the Bank's Base Lending Rate plus 10% p.a. |
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Overdraft establishment fee |
Not applicable to these accounts |
| Overdraft facility fee |
Not applicable to these accounts | |
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Business Accounts |
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Business First OnCall Account |
Business Advantage Call Account |
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Credit Interest Rates
Current % p.a
(Effective 18 March 2009)
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3.15% ($0+)
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0.00% ($0 - $4,999)
0.50% ($5,000 - $19,999)
0.85% ($20,000 - $99,999)
1.35% ($100,000 - $249,999)
2.10% ($250,000 - $499,999)
2.35% ($500,000+) |
| Monthly1 base or account management fee |
Not Applicable |
No base fee for accounts with an average daily balance of $5,000 or more, otherwise $5.00 |
| No Account Fees apply for the following (per month): |
All Deposits and withdrawals |
The 5 most expensive transactions (deposits and withdrawals) |
| BNZ Internet Banking? |
No charge
Service Fees may apply |
$2.50 per withdrawal
$1.25 per deposit
Service Fees may apply |
| Electronic transactions: EFTPOS, Direct Credits, Direct Debits, Telephone Banking? , self service transactions |
No charge
Service Fees may apply |
$2.50 per withdrawal
$1.25 per deposit
Service Fees may apply |
| Automatic Payments2 |
Not applicable |
$2.50 per withdrawal
$1.25 per deposit
Service Fees may apply |
| ATM? |
No charge
Service Fees may apply |
$2.50 per withdrawal
$1.25 per deposit
Service Fees may apply |
| Cheques written |
Not applicable |
$2.50 per withdrawal. Service Fees may apply |
| Freepost deposits |
No charge |
$1.25 |
| Store/staff assisted transactions |
No charge
Service Fees may apply |
$2.50 per withdrawal
$1.25 per deposit
Service Fees may apply |
| Express Deposit Tower deposits |
No charge
Service Fees may apply |
$1.25 |
| Overdraft facility fee & Line of Credit Charges |
Not Applicable |
Not applicable |
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Overdrawn savings Account Fee |
$5.00 for any month overdrawn. You will also pay interest on the overdrawn amount at the Bank's Lending Base Rate plus 10% p.a |
$5.00 for any month overdrawn. You will also pay interest on the overdrawn amount at the Bank's Lending Base Rate plus 10% p.a | |
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Agribusiness Accounts |
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Farm First Call Account |
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Credit Interest Rates
Current % p.a
(Effective 18 March 2009) |
3.15% ($0 +) |
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Monthly1 base or account management fee |
None
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| No Account Fees apply for the following (per month): |
All Deposits and Withdrawals.
Service Fees may apply |
| BNZ Internet Banking? |
No charge
Service Fees may apply |
| Electronic transaction: EFTPOS, Direct Credits, Direct Debits, Telephone Banking? , self service transactions |
No charge
Service Fees may apply |
| Automatic Payments2 |
No charge
Service Fees may apply |
| ATM? |
No charge
Service Fees may apply |
| Cheques written |
No charge
Service Fees may apply |
| Freepost deposits |
No charge
Service Fees may apply |
| Store/staff assisted transactions |
No charge
Service Fees may apply |
| Express Deposit Tower deposits |
No charge
Service Fees may apply |
| Overdraft facility fee |
Not applicable |
| Overdrawn savings Account Fee |
$5.00 for any month overdrawn. You will also pay interest on the overdrawn amount at the Bank's Lending Base Rate plus 10% p.a | |
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1. Fees are charged on the last business day of each calendar month and are based on the period between the last business day of the previous calendar month and the second to last business day of the current month, inclusive.
2. Automatic Payments into your account from other parties are classed as Electronic Transactions.
3. Cheque facilities are not available on Personal Call, Achiever Savings and Rapid Save Accounts.
4. Fees for Telegraphic Transfers will apply.
? Although the Telephone and Internet Banking and ATM services will normally be available 24 hours a day, maintenance of the system is required from time to time. Accordingly certain options may not be available for an average of three hours a week. This maintenance, however will be carried out at times which will cause the least disruption to you. |
