Your goals. Your money. All in one place.

A YouMoney everyday account and Internet Banking makes it easy to keep track of what’s going on with your money and stick to your goals.

All the basics. Covered.

Don’t let all the bells and whistles deceive you. YouMoney comes with everything you need from an everyday account.

lineart jean pocket

Put it in your pocket

Get a BNZ Flexi Debit Visa with your YouMoney^  account and access your money anytime you need. We’ll also waive the $10 annual card fee for the first year^.

lineart lamp

Pay bills

“See” your payees by adding photos/logos for easy recognition – the people you pay most will appear in your quick pay list so you have them right at your fingertips.


lineart drag drop

Move money

Quickly move money between your accounts with drag and drop. It’s especially handy on the mobile app when you’re out and about. Drag, drop, pay. Simple.

lineart search

See transactions

Easily find transactions using the smart search: enter names, amounts or phrases like “more than”. No need to scroll for ages or use detective skills. 

Seeing your goals makes it easier to reach them

YouMoney comes with up to 25 accounts – so you can use one for each of your goals and expenses. Choose from everyday or savings accounts, they’re all available in Internet Banking at no extra cost^.

YouMoney Illustration


See how a spare few dollars here and there can add up to something special. Transfer across a daily allowance to an account linked to your card and save the change left over each day.

Open a YouMoney account

Personal OnCall Illustration


Seen a must-have item? Take a snap, create an account, add your picture and start saving. Put money aside in the short term and earn interest with a Personal OnCall account.

More about Personal OnCall

RapidSave Illustration


If you have a bigger goal in mind such as a car, overseas trip, or are saving for a rainy day then a Rapid Save account can help boost your savings. Plus, earn bonus interest^  for staying motivated. 

More about Rapid Save

Use it your way. Any way.

Save time by doing it yourself. Online.

No queues, no hassle, no charge. Open and close accounts as you need to, set up automatic payments or apply for other banking products all from within Internet Banking.

Open & close accounts

Set up accounts for your goals as and when you need them, and close them when you’re done. Simple. 

Automatic payments

Pay no fees when you set up, change or stop your automatic payments in Internet Banking. 

Apply for things

It’s faster to apply for things in Internet Banking, like a credit card limit increase or opening a term deposit. Click don’t queue. 

Get expert advice

Get a speedy response from our helpful staff when you send a secure message in internet banking. 

On hand when you need it

Our mobile app lets you check your balances at a glance and quickly move money as you need to with drag and drop. Fingerprint login/Touch ID, means you can be in and out in a flash^. You can even change which accounts you access on your cards.

app storegoogle play

YouMoney at a glance

  • Up to 25 accounts for all your goals
  • Award-winning internet and mobile banking
  • Unlimited withdrawals
  • No transaction fees^
  • Free alerts
  • $5/month (waived for tertiary + graduate students, under 18s and retirees)
  • Discounted overdrafts for tertiary + graduate students and apprentices^

See full list of features and fees

Works best with

Personal OnCall

Good for putting money aside and managing your short term or smaller savings goals. Earn the same rate of interest on every dollar no matter what your balance is. Manage everything online, from making deposits, to transfers between your other accounts and you’ll pay no fees^.

Learn more


Rapid Save

Good for when you’re saving for a rainy day or have a large goal in mind. You’ll earn bonus interest on top of a base interest rate each month you make deposits to increase your balance and make no more than one withdrawal. You can make one free withdrawal each month without paying a fee^^.

Learn more

An everyday account for homeowners.

Link your TotalMoney home loan to a TotalMoney everyday account and use the balances from your day-to-day spending and saving to reduce the amount of interest you pay on your home loan. 

Learn more

Award-winning banking

Creating the best banking experiences for our customers is at the heart of what we do. But don’t just take our word for it. 

Delightful Digital Experiences

We ranked top in New Zealand for digital banking experiences that customers love in SAP’s 2016 New Zealand Digital Experience Report.

Outstanding Design

Our internet banking and mobile app won Best Effect award for design and innovation excellence in the 2014 Best Design Awards.

Small Print

Account opening and lending criteria, terms and fees apply. BNZ standard terms and conditions apply to all BNZ transaction and savings accounts. Details of our fees can be found in our Fees Guide. Rates and fees are subject to change.