Dip in. Dip out. Whenever you need.

Personal OnCall is a flexible online savings account^ that lets you access your money when you need to, while still earning interest.

-% p.a.(Interest rate)

Get the best of both worlds

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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.  

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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.

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Simple transfers

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. 

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Stay motivated

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. 

Personal OnCall at a glance

  • -% p.a. interest rate
  • Award-winning Internet and Mobile Banking
  • No transaction fees for Internet Banking, Mobile Banking, Telephone Banking and Automatic Payments^
  • Free alerts

See full list of features and fees

Small Print

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.

  1. Personal OnCall is not available for Companies and Trusts.

  2. Service fees may apply.

  3. YouMoney is only available for individuals and joint accounts. 

  4. 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. $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.