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 twenty five, all at the touch of a button with Internet Banking. 

YouMoney Illustration

YouMoney

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

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.
RapidSave Illustration

Rapid Save

  • -% p.a. combined interest rate (-% p.a. base rate + -% p.a. bonus rate) 
  • 1 free withdrawal per month, and all subsequent withdrawals charged at $5 per transaction
  • To qualify for bonus interest, increase your balance each month 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 for the first year, 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