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. 

Our transaction accounts

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


Our most popular transaction account suits most customers’ everyday banking needs. Create up to 25 accounts, allocate them to different day-to-day expenses or savings goals, and unlock the 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 


Everyday banking for students

From fee waivers to interest free overdrafts, discounted personal loans and more, if you're studying, training or a recent graduate, you're eligible for our student benefits.^

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

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. 

canstar everday banking 2015

Best Everyday Banking

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


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.

best gold 2014

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 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.