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. 

Unlock your accounts with PIN or Touch ID

Logging in to Mobile Banking just got easier and faster with PIN and Touch ID (compatible iPads and iPhones).

YouMoney. Extraordinary banking.

YouMoney is super smart banking that starts with an account1. 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 smart tools at your fingertips it’s easy to be organised. Open and close up to 25 accounts, as you need them, for expenses and savings, and with smart search it’s easy to track down transactions.

See your progress

It’s quick and easy to set a savings goal, no matter whether you’re saving for a camera or a campervan. The handy progress bar lets you see how you’re going and motivates 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 chore out of banking admin and have some fun with drag and drop, zooming and pinning. Plus you can put your own stamp on it by attaching images to each payee or account, which are meaningful to you. 

Our transaction accounts

Manage your everyday spending effortlessly with one of our transaction accounts. Compare all transaction accounts

YouMoney

Our most popular transaction account. Get unlimited transactions on up to 25 accounts, and access to the full YouMoney online banking experience. 

Get YouMoney

More about YouMoney

TotalMoney

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. Compare all savings accounts.

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Rapid Save

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.2

Get Rapid Save

More about Rapid Save

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Personal OnCall

Access your money whenever you need and still earn interest. A good option if you need to dip into your savings from time to time.3

Get Personal OnCall 

More about Personal OnCall

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TotalMoney

Group your everyday TotalMoney accounts together (yours plus other family members) and earn interest on the combined balance.4

Get TotalMoney

More about TotalMoney

Quick and easy access to your money

Flexi Debit Visa

An everyday card for day-to-day expenses, to shop online, over the phone, or overseas wherever Visa is accepted.5

Get a Flexi Debit Visa

Find out more

Kiwi EFTPOS card

A simple Eftpos card that comes with a $10 annual fee, which we donate to help protect our kiwi.

Get a Kiwi EFTPOS card

Find out more

Everyday banking help and support

Small Print

Account opening, lending criteria, terms and fees apply. Establishment fee and facility fees also apply.

  1. YouMoney is only available for individuals and joint accounts. 
  2. 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.
    If an account is opened during the month, the closing balance at the end of the day the account is opened is considered the opening balance for that month. In order to qualify for bonus interest, a deposit must be made to the account at any time after the opening balance date, but before the end of that month. Bonus criteria regarding one withdrawal a month still applies.
  3. Personal OnCall is not available for Companies and Trusts.
  4. Maximum of 10 accounts in a TotalMoney group. Establishment fee and facility fees apply. 
  5. A $10 annual account fee applies.