Investment rates and returns

Interest rates and terms for term deposit and Term PIE investments, and returns on YouWealth managed funds.

Open a term deposit Open a YouWealth account

Featured term deposit rates

Special interest rates are available in Internet Banking and the BNZ app, for selected terms. You’ll need to have an individual or joint account with us.
Open a term deposit online

Term deposit rates

Rates are subject to change without notice. Depending on the type and term of your deposit, you can choose to have your interest paid monthly or at maturity.
Term deposit rates are available only for the first $5,000,000 of total deposits you hold with BNZ. The minimum term deposit amount is $2,000.
Open a term deposit

Term PIE rates

Rates are subject to change without notice. Depending on the term of your deposit, you can choose to have your interest paid monthly, quarterly, six monthly, annually, or at maturity.
Term PIE rates are available only for the first $10,000,000 of total deposits you hold with BNZ. The minimum term PIE amount is $2,000.^
Open a Term PIE

Returns on YouWealth managed funds

BNZ YouWealth fund performance to 31 May 2026.^^ 

Returns are calculated after deducting management fees but before deducting tax.

Past performance is no guarantee or indication of future performance.

The inception date of the YouWealth funds was 21 May 2018, except for the High Growth Fund, which was released on 28 November 2023.
YouWealth quarterly fund updates

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Term deposits

Earn a fixed interest rate on your savings by locking them into a term deposit.

Open a term deposit

Term PIE

A fixed-term investment that works like a term deposit, with the potential to pay less tax.

Open a Term PIE

Managed funds

Access or top up your investment when you need with the flexibility of a YouWealth account.

Open a YouWealth account