Savings accounts rates and fees
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.
| Rapid Save |
Achiever Savings |
Personal Call Account |
Personal OnCall | |
|---|---|---|---|---|
| Credit Interest Rates Current % p.a (Effective 30 March 2012) |
Loading total rate Loading base rate Loading bonus rate ($0+) |
Loading total rate Loading total rate Loading total rate |
Loading (less than $5,000) Loading ($5,000 - $19,999) Loading ($20,000 - $99,999) Loading ($100,000 - $249,999) Loading ($250,000 - $499,999) Loading ($500,000+) |
Loading ($0+) |
| Monthly1 base or account management fee | None | None | None if average daily balance is $5,000 or more, otherwise $5.00 | None |
| 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 for 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 | No charges for deposits4. No charge when you withdraw money from your account via funds transfer or one off payment using Internet or Telephone banking5. A $5 withdrawal fee applies when you make a withdrawal out of the account using any other method. 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 | No charge when you withdraw money from your account via funds transfer or one off payment using Internet Banking. A $5 withdrawal fee applies when you make a withdrawal out of the account using any other method. Service fees may apply. |
| Electronic Transactions: (EFTPOS, Bill Payments, 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 | No charge when you withdraw money from your account via funds transfer or one off payment using Internet or Telephone banking5. A $5 withdrawal fee applies when you make a withdrawal out of the account using any other method. Service fees may apply. |
| 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 | $5.00 Service Fees may apply |
| 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 | $5.00 Service Fees may apply |
| Cheques written3 |
Not applicable to these accounts |
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| Freepost Deposits | No charge4 | No charge4 |
No charge4 |
No charge4 |
| 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 | $5.00 Service Fees may apply |
| Express Deposit Tower deposits | No charge4 | No charge4 | No charge4 | No charge4 |
| Unarranged overdraft fee |
$10.00 for any month overdrawn. (Payable monthly in arrears on overdrawn balances greater than $20) You will also pay interest on the overdrawn amount at the Bank's Base Lending Rate plus 10% p.a. Minimum charge of $1.00. |
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| Overdraft establishment fee |
Not applicable to these accounts |
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| Overdraft facility fee |
Not applicable to these accounts |
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Small print
- 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.
- Automatic Payments into your account from other parties are classed as Electronic Transactions.
- Cheque facilities are not available on Personal Call, Achiever Savings and Rapid Save Accounts.
- Fees for Telegraphic Transfers will apply.
- Telephone banking is available to sole signatory customers only. A telephone banking high user charge is applicable on your 6th and subsequent calls. Usual account and service fees 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.
