Managing your day-to-day just got easier

Take the hassle out of managing your everyday spending with a YouMoney account, or choose one of our other transaction or savings accounts. 

YouMoney. Extraordinary banking.

YouMoney is super smart banking that starts with an account.? Once you try it, you’ll never want to go back. Your YouMoney transaction account opens the door to: 

  • Multiple accounts for your savings and everyday use
  • A smart money-management tool
  • Beautifully simple internet banking

Get organised

With a range of tools at your fingertips it's easy to be organised. Open and close up to 25 everyday accounts as and when you need them. On top of this,  you can also open and close savings accounts.

See your progress

It’s quick and easy to set a savings goal, no matter what you’re saving for. The progress bar lets you see how you’re going and helps you to stay on track.

Hone in on the detail

Now you can split your money up the way you spend or save it. With enhanced visibility of your accounts, there's no excuse for lazy dollars or idle pennies — you can put each one to work.

Have fun

Take the hassle out of banking, quickly transfer between accounts and pay bills with drag and drop - it's a whole new way to pay. Plus you can put your own stamp on it by attaching images to each payee or account.

Our transaction accounts

Manage your everyday spending effortlessly with one of our transaction accounts. See our rates and fees


Our most popular transaction account. Get unlimited transactions on up to 25 accounts, and unlock the full features of online banking. 

Get YouMoney

More about YouMoney


A good option for homeowners. Use the credit balance of your TotalMoney accounts to reduce the amount of interest you pay on your home loan and you could shave years off the length of your loan. 

Get TotalMoney

More about TotalMoney

Our savings accounts

Whether you're saving towards a goal or for a rainy day, our savings accounts make it easy.  Interest is calculated daily and paid monthly and all our rates and fees are subject to change. See our rates and fees.

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Rapid Save

 Interest rate% p.a. Total rate (-% base + -% bonus)

Earn bonus interest if your balance increases each month (on top of any interest earned) and you make no more than one withdrawal per month.? Your bonus interest is not affected by any Rapid Save fees. 

Get Rapid Save

More about Rapid Save

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Personal OnCall

 Interest rate-% p.a.

Earn competitive interest on every dollar in your account and be able to access your funds at any time without affecting your interest rate. A good option if you need to dip into your savings from time to time.? 

Get Personal OnCall 

More about Personal OnCall

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 Interest rates - -% p.a. (-), -% p.a.(-)

Group your everyday TotalMoney accounts together (yours plus other family members) and earn interest on the combined balance.? 

Get TotalMoney

More about TotalMoney 


canstar everday banking 2016Bank of the Year for Everyday Banking

Our award-winning range of transaction and savings accounts were named “the best value everyday banking in the country” by Canstar in 2015. 

Quick and easy access to your money

Flexi Debit Visa is an everyday card you can use for your day-to-day expenses, online shopping, or overseas wherever Visa is accepted.?

Get a Flexi Debit Visa

Find out more

Small Print

Account opening and lending criteria, terms and fees apply and are subject to change. Establishment fee and facility fees also apply. A month refers to the period from the last business day of the previous month to the second to last business day of the current calendar month, inclusive. Fees are charged on the last business day of each calendar month and relate to the previous month.

BNZ's standard terms and conditions apply to all BNZ transaction and savings accounts. Full details of each product's terms and conditions are available on request.

  1. YouMoney is only available for individuals and joint accounts. 

  2. For the month that an account is opened, the opening balance is nil. In order to qualify for bonus interest, a deposit must be made to the account at any time before the end of that month. Bonus criteria regarding one withdrawal a month still applies. A withdrawal includes transferring your money from your Rapid Save account to one of your other BNZ accounts.

  3. Personal OnCall is not available for Companies and Trusts.

  4. Maximum of 50 accounts in a TotalMoney group.

  5. A $10 annual account fee applies. Foreign currency service fees and overseas ATM withdrawal fees apply when using Flexi Debit Visa overseas.