Compare rates and fees

Choose an account that helps you reach your goals. Once you have Internet Banking, you can mix and match them any way you like. 

YouMoney Illustration Compare

YouMoney

$5 per month / 25 accounts

A day-to-day spending account you can link to your cards.

Personal OnCall Illustration Compare

Personal OnCall

No monthly account fee / -%p.a.

An online savings account for short term goals.

RapidSave Illustration Compare

Rapid Save

No monthly account fee / -% p.a.  combined interest rate

A savings account that rewards you for staying motivated.

Compare at a glance

At a glance
YouMoney

$5 per month

No credit interest (0% p.a.)

Unlimited withdrawals at no charge

Free account alerts

Overdraft available

At a glance
Personal OnCall

No monthly account fee

-% p.a. credit interest rate

Unlimited online withdrawals at no charge (Telephone, Internet and Mobile Banking plus Automatic Payments), all others $5

Free account alerts

No overdraft available

At a glance
Rapid Save

No monthly account fee

-% p.a. combined credit interest rate (-% p.a. base + -% p.a. bonus). Earn bonus interest when you increase your balance each month, and make no more than one withdrawal.

One free withdrawal each month, after that each withdrawal costs $5

Free account alerts

No overdraft available

 

Compare overdraft fees

Overdraft fees
YouMoney

Establishment$30^

Unarranged$10/month^^
A grace period applies^.

Personal overdraft base interest rate (% p.a.)13.70 + margin^

Unarranged overdraft base interest rate (% p.a.)13.70 + margin^

Overdraft fees
Personal OnCall

Unarranged $10/month^^
A grace period applies^.

Unarranged overdraft interest rate (% p.a.)10.45+ margin^

Overdraft fees
Rapid Save

Unarranged $10/month^^
A grace period applies^.

Unarranged overdraft interest rate (% p.a.)10.45+ margin^

Compare special features

Special features
YouMoney

No monthly account fee for:

Discounted personal loan and overdraft rates available for students, graduates and apprentices with YouMoney.

Special features
Personal OnCall

There is no charge to move your money between your BNZ accounts online, and your interest rate is unaffected by your account balance.

Special features
Rapid Save

Earn bonus interest if you make a deposit to increase your balance each month and use no more than your one free withdrawal.