Get the best of both worlds
Save and earn interest
Whether you’re saving for a holiday, concert tickets or a new fridge, you can deposit as much as you want, whenever you want. There’s no monthly minimum deposit to qualify for interest.
Dip in, without cost
Withdraw money online when you need to without paying any fees^. No matter what your balance is or how many times you dip into your account, you’ll still earn the same rate of interest.
We’ve made it easy for you to save
With the ability to manage your Personal OnCall accounts entirely online within Internet and Mobile Banking, it’s quick and easy to set your goals and start saving.
Transferring money has never been as quick or easy as setting up automatic transfers for free in Internet and Mobile Banking, so you can add to your savings account as soon as you get paid.
Add a personalised picture and nickname your account to match what you're saving for. No matter what your goal is, it's much easier to stay on track with daily visual reminders.
No fees online
Pay no account fees when you use Internet and Mobile Banking to make payments, move money or pay your bills^.
Multiple ways to use it
Try using Personal OnCall to store your salary so you earn interest on the majority of your cash, then transfer across daily spending to your everyday account. Dedicate a few accounts to the items on your wish list, and consider an emergency savings account that you can dip into when you need it.
Works best with
Good for creating accounts that you’ll use on day-to-day spending and to help with budgeting. Easily link these accounts to your BNZ Flexi Debit Visa or Eftpos card. You can even create an account to use exclusively for online purchases and contactless payments with your Flexi Debit Visa card^.
Good for when you’re saving for a rainy day or have a large goal in mind. You’ll earn bonus interest on top of a base interest rate each month you make deposits to increase your balance^ and make no more than one withdrawal. You can make one free withdrawal each month without paying a fee^.
Everyday banking help and support
If you have questions or need help call 0800 275 269
Account opening and lending criteria, terms and fees apply. BNZ standard terms and conditions apply to all BNZ transaction and savings accounts. Details of our fees can be found in our Fees Guide. Rates and fees are subject to change.
Personal OnCall is not available for Companies and Trusts.
Service fees may apply.
YouMoney is only available for individuals and joint accounts.
A month refers to the period from the last business day of the previous calendar month to the second to last business day of the current calendar month. For the month that an account is opened, the opening balance is nil. In order to qualify for bonus interest, a deposit must be made to the account (not including any interest paid) at any time before the end of that month, and must be greater than any withdrawal made. Bonus criteria regarding one withdrawal a month still applies.
$5 withdrawal fee applies per withdrawal for all subsequent withdrawals per month. A withdrawal includes transferring your money from your Rapid Save account to one of your other BNZ accounts.