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Group your, and your family's, account balances to potentially earn more interest.

  • 10 accounts for $101 service & facility fees apply
  • Group all your bank accounts to earn interest like they're one big investment2
  • Unlimited transactions
  • Free text and email alerts

More detail

TotalMoney is an innovative way to make your money work for you and your family.

With 10 accounts for $10 per month1 you can form a group with your own accounts naming them according to your different expenses or savings goals and earn a great interest rate on the combined account balances (service and facility fees apply).

Or, you can form a group of accounts with your parent’s, partner's or kid’s accounts. Everyone keeps complete control of their own accounts, but you all get the benefits as if you are one customer. This means you could all earn more interest on your everyday money and savings.

Let all your accounts earn interest like they’re one big investment2

When you combine your TotalMoney accounts into a group, we then treat the money as one big total when calculating the interest rate that will apply. We call it pooling. Every account earns the same interest rate, but they stay completely separate.

Control your accounts with Internet Banking

With TotalMoney you can simply log into Internet Banking and:

  • Open new TotalMoney accounts for yourself2
  • Nominate one of your accounts as the fee paying account for the group
  • Open and change text and email alerts, which you get for no extra charge with TotalMoney
  • View online statements

Do your banking however you choose

With a TotalMoney account there are so many ways you can do your banking. Telephone and internet banking, ATMs, EFTPOS and BNZ tellers are all available to help you manage your money. You also have the option of using cheques, direct debits and bill payments, plus you can have your income paid directly into your account.

The option to apply for an overdraft

If you need to withdraw more than you have in your account you can apply for an overdraft3. It’s an easy way to get a small loan to see you through. Arranging an overdraft facility ahead of time means it’s always there when you need it. Plus you’re more likely to avoid the embarrassment and inconvenience of having a payment declined.

  Rates and fees
Interest rates
Credit Balance Interest Rates
Current % p.a
Effective 20 August 2013
View rates here ($0 - $99,999)

View rates here ($100,000 +)
Monthly3 base or account management fee $10.00 Charged to one TotalMoney account.
No account fees apply to the following: No charges for deposits to the account4, staff assisted transactions, BNZ ATM, BNZ Internet and Electronic Transactions, Automatic Payments and cheques written5 each month (non-BNZ ATM transactions not included). It also includes the set up and amendment of Automatic Payments and Bill Payments using Internet Banking. Other Service Fees still apply.
Overdraft facility fees and unarranged overdraft fees
Overdraft establishment fee $30.00 (Payable on establishment of facility)
Overdraft facility fee6 $5.00 per month (Payable monthly in arrears)
Unarranged overdraft fee6 $10.00 per month (Payable monthly in arrears for overdrawn balances greater than $20)

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