Join us online anytime, and get a Flexi Debit Visa with no annual card fee

Join BNZ by opening a YouMoney account online, and get a Flexi Debit Visa that you can load into Apple Pay or Google Pay™ to get you started, even before your card arrives.

Our YouMoney account includes up to 25 customisable transaction accounts with unlimited transactions for $5 a month, plus a Flexi Debit Visa with no annual card fee.

It’s easy to join us online anywhere, anytime

If you’re new to BNZ

If you have a verified RealMe identity and we can verify your New Zealand address, you can open an account using your RealMe login

Alternatively you can use your current New Zealand passport or driver licence. You’ll take videos of you and your passport or licence, submit them online and provide your New Zealand address. If you’re approved and we can verify your NZ address, you won’t need to come into a branch.

If you’re already a BNZ Customer

You can open a YouMoney account through Internet Banking or the BNZ Mobile app.

Other account options

If you’re not sure if a YouMoney account is right for you, take a look at our great savings accounts.

Personal OnCall account - A daily savings account that lets you earn the same interest no matter what your balance is or how many times you dip into your account.

Rapid Save account - Earn bonus interest when you maintain or increase your balance (on top of interest earned) each bank month^, and make no more than one withdrawal per bank month.

More reasons to join BNZ

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25 Customised accounts

Our YouMoney account makes managing your money easy. Open up to 25 individual accounts then customise them to suit your lifestyle.

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Award-winning banking

Our award-winning internet banking and mobile app are designed to make banking easier and faster, plus provides smarter controls and security features.