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. 

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  • Unlimited withdrawals
  • No transaction fees
  • $5 per month account fee (waived for students, apprentices, graduates, under 19s and retirees).
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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.
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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 $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, and special rates on personal loans.

Find out more

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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

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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

Choose how you’d like to open your account based on the way you want to identify yourself.

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Opened immediately

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

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New Zealand passport

Opened next business day

You can open an account using your current New Zealand passport and a desktop or mobile device

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In person

Opened by appointment

Start your application online by leaving your details and we’ll get back to you to arrange a time to visit a BNZ store. You’ll need to take required ID along with you.