Personalise the way you manage your money

With an everyday account and online banking, you can customise your banking experience so it’s easier to keep track of what’s going on with your money and stick to your goals.

Best Consumer Digital Bank in New Zealand

We’re really proud to be awarded Best Consumer Digital Bank in New Zealand, and Most Innovative Digital Bank in Asia-Pacific at the 2018 Global Finance awards PDF 281KB.

Three customisable accounts

YouMoney is your go-to account for everyday transactions, managing budgets and sorting your expenses. Our savings accounts, Personal OnCall and Rapid Save, offer choice between short and long term saving goals.

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Your day-to-day

Your go-to transaction account to cover weekly costs, like groceries, petrol, bills and entertainment. 


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Your something special

Save money and earn interest, without having to pay a penalty fee if you need to dip in every now and then.


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Your bigger goals

Earn bonus interest each month for staying motivated and resisting temptation to withdraw from your savings. 


Open an account straight away with RealMe®

If you’ve already verified your identity with RealMe, you can open a transaction or savings account online, and start using it straight away in Mobile and Internet Banking. This means you won’t have to visit us in store to prove your identity.

Keep your goals on track with online banking

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add to your savings

Drag and drop makes it faster to transfer money to your savings accounts. It’s also free to set up and edit automatic payments to your savings accounts online, so you can save without lifting a finger.

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track your progress

Set goals for your savings accounts and use the progress bar to see how close you are, each time you log in.

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stay motivated

Upload inspiring images to your accounts to remind you of your savings goals and then nickname your accounts to match.

Mobile banking

Check balances at a glance, move money between accounts, and add your cards to Apple Pay or Google Pay using our mobile banking app. You can be in and out in a flash with Fingerprint login/Touch ID.

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Use it your way. Any way.