Design the way you see your money

With a YouMoney everyday account and Internet Banking, you can customise your banking experience so it's easier to keep track of what’s going on with your money and stick to your goals.

All the basics. Covered.

Don’t let all the bells and whistles deceive you. YouMoney has everything you need for an everyday account.

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Get a BNZ Flexi Debit Visa with your YouMoney^ account and access your money anytime you need. We’ll also waive the $10 annual card fee for the first year^.

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“See” your payees by adding photos/logos for easy recognition – the people you pay most will appear in your quick pay list so you have them right at your fingertips.

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Quickly move money between your accounts with drag and drop. It’s especially handy on the mobile app when you’re out and about. Drag, drop, pay. Simple.

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Easily find transactions using the smart search: enter names, amounts or phrases like “more than”. No need to scroll for ages or use detective skills. 

Seeing your goals makes it easier to reach them

YouMoney comes with up to 25 accounts – so you can use one for each of your goals and expenses. Choose from everyday or savings accounts, they’re all available in Internet Banking at no extra cost^

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See how a spare few dollars here and there can add up to something special. Transfer across a daily allowance to an account linked to your card and save the change left over each day.


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Seen a must-have item? Take a snap, create an account, add your picture and start saving. Put money aside in the short term and earn interest with a Personal OnCall account.

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If you have a bigger goal in mind such as a car, overseas trip, or are saving for a rainy day then a Rapid Save account can help boost your savings. Plus, earn bonus interest^ for staying motivated. 

Use it your way. Any way.

Save time by doing it yourself. Online.

No queues, no hassle, no charge. Open and close accounts as you need to, set up automatic payments or apply for other banking products in Internet and Mobile Banking. Find out what else you can get done online.


Set up accounts for your goals as and when you need them, and close them when you’re done. Simple.


Pay no fees when you set up, change or stop your automatic payments using Internet Banking or Mobile Banking


Notifications help you keep track of your accounts, so you know as soon as you’ve been paid, if you’ve gone into unarranged overdraft, and more. Plus, they’re free to receive to your mobile.

Get expert advice

Get a speedy response from our helpful staff when you send a secure message in Internet or Mobile Banking.

Open an account straight away with RealMe®

If you’ve already verified your identity with RealMe, you can open a transaction or savings account online, and start using it straight away in Mobile and Internet Banking. This means you won’t have to visit us in store to prove your identity.

Apple Pay. Your new, easy way to pay is here

Now you can pay for everything from takeout to taxis with your BNZ Flexi Debit Visa, eligible Visa credit cards and Apple PayTM.

Mobile banking

Check balances at a glance, move money between accounts, and add your cards^ to Apple Pay^  or Google Pay^ using our mobile banking app. You can be in and out in a flash with Fingerprint login/Touch ID.

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An everyday account for homeowners

Link your TotalMoney home loan to a TotalMoney everyday account and use the balances from your day-to-day spending and saving to reduce the amount of interest you pay on your home loan. 

Learn more

YouMoney at a glance

  • Up to 25 accounts for all your goals
  • Award-winning internet and mobile banking
  • Unlimited withdrawals
  • No transaction fees^
  • Free alerts
  • $5 per month account fee (waived for students, apprentices, graduates, under 19s and retirees)
  • Interest-free overdrafts for students, apprentices and graduates^

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.

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Google Pay is a trademark of Google LLC.

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

  2. $10 annual fee waived for the first 12 months when you get a BNZ Flexi Debit Visa at the time of opening a new YouMoney transaction account. After the first 12 months, you will be charged a $10 annual fee. 

  3. $5 monthly account fee applies. The monthly fee for all YouMoney accounts in the same account holder name(s) will be deducted from the first YouMoney account opened in the same account holder name(s) or the YouMoney account nominated to us.

  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. Mobile coverage and data required to access the BNZ Mobile Banking app. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

  6. Service fees may apply.

  7. How to be eligible for student benefits:

    To apply for student benefits, you will need to have any income direct credited to your YouMoney account and qualify under either of the following criteria:

    • Full or part time students and apprentices (enrolled in at least one paper per semester, for at least 12 months), while you are studying through an NZQA accredited tertiary provider


    • Those who have graduated from such a course within the past 12 months.

    Your eligibility for student benefits expires 5 years after you apply, or 2 years after you graduate, unless you reapply, or discontinue studying (in which case you are no longer eligible for the student benefits).

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

  9. Eligible cards include BNZ Advantage Visa Platinum, BNZ Advantage Visa Classic, BNZ Advantage Visa Business, BNZ Lite Visa, BNZ Visa Classic, BNZ Visa Platinum and BNZ Flexi Debit Visa. BNZ credit card and Flexi Debit Visa card terms and fees apply when you use your card in Google Pay or Apple Pay.

  10. $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.

  11. Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible devices, see

  12. To use Google Pay, you need an NFC-enabled Android™ device (KitKat 4.4+) and the BNZ Mobile Banking app.