Accounts for all stages and ages

We have a range of account options to help make it easier for you to reach your goals and manage your money.

Create your perfect mix

Choose a mix of accounts that best match your everyday needs. Open one, two, or 25 accounts, all at the touch of a button with Internet Banking. 

Illustration YouMoney

YouMoney

  • Unlimited withdrawals
  • No transaction fees
  • $5 per month account fee (waived for students, apprentices, graduates, under 19s and retirees).
Illustration PersonalOncall

Personal OnCall

  • -% p.a. interest rate
  • Earn the same rate of interest no matter your account balance
  • No transaction fees for withdrawing money out of your account using online banking.
Illustration RapidSave

Rapid Save

  • -% p.a. combined interest rate (-% p.a. base rate + -% p.a. bonus rate) 
  • One free withdrawal per month, and all subsequent withdrawals charged at $3 per transaction
  • To qualify for bonus interest, maintain or increase your balance each month (on top of interest earned) and make no more than one withdrawal.

Rates and fees

Compare rates and fees for our everyday banking and savings accounts.

Our accounts have your needs covered

Borrow extra

Students, graduates and apprentices

We help make it easier to manage your money with a YouMoney account, from interest free overdrafts to account fee waivers. Plus, get a free BNZ Flexi Debit Visa card, and special rates on personal loans.

Find out more

kids banking desktop 002

Kids and parents 

Help your children develop their financial literacy by teaching them how to bank online just the same as you. With options for personalised images and nicknames, kids can have fun and prepare for the future with a YouMoney account.

Find out more

Family at home crop

Homeowners 

Link your TotalMoney home loan to your TotalMoney everyday account, and use the combined balance of your everyday and savings accounts to reduce the interest you pay on your home loan.

Find out more

Opening an account is easy

Open an account online using RealMe, a New Zealand passport or New Zealand driver licence. You can also make an appointment at a BNZ branch.

realme logo 120x130

RealMe

Opened immediately

If you’ve verified your identity with RealMe® and we can verify your address, you can open an account online and start using it straight away in Mobile and Internet Banking.

Illustration Passport2

New Zealand passport

Opened next business day

You’ll take videos of you and your passport using your mobile or desktop device, and submit them online to verify your identity. When you’re finished, we’ll check the videos and get back to you.

Illustration Driverslicense

New Zealand driver licence

Opened next business day

You’ll take videos of you and your driver licence using your mobile or desktop device, and submit them online to verify your identity. When you’re finished, we’ll check the videos and get back to you.