Help & Support


Rates and fees for accounts we no longer offer

If you have a transaction or savings account with us that you’re still using, but we no longer sell, you’ll find the rates and fees for your account below.

All rates and fees are subject to change.

Smart Money

An account designed for those under 30.^

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
30 electronic^
2 other^
Monthly base or account management fee^
-
Credit balance interest rates^
None
Establishment fee^
$30
Account alerts
No charge
Manual transactions^
75 cents
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
$5
Special features
-
Electronic transactions^
35 cents
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^
$10

Ready Money

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
-
Monthly base or account management fee^
$3.50
Credit balance interest rates^
None
Establishment fee^
$30^
Account alerts
No charge
Manual transactions^
75 cents
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
$5
Special features
Fee rebates ranging from $5 to $40 a month^
Electronic transactions^
35 cents
Unarranged overdraft interest rate
n/a
Monthly unarranged overdraft fee^^
$10

Silver Service

No transaction or monthly account fee if superannuation is directly credited into the account.^

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
Unlimited
Monthly base or account management fee^
-
Credit balance interest rates^
None
Establishment fee^
$30^
Account alerts
No charge
Manual transactions^
-
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
$5
Special features
-
Electronic transactions^
-
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^
$10

Dynamic Money

An account designed for those under 19.^

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
Unlimited
Monthly base or account management fee^
-
Credit balance interest rates^
1.00%
Establishment fee^
n/a
Account alerts
No charge
Manual transactions^
-
Personal Overdraft base interest rate
n/a
Monthly facility fee^^
n/a
Special features
-
Electronic transactions^
-
Unarranged overdraft interest rate
n/a
Monthly unarranged overdraft fee^^
n/a

MyMoney

FeaturesStandard feesInterest rates (P.a.)Overdraft fees
Number of free withdrawals per month^
Unlimited
Monthly base or account management fee^
$5
Credit balance interest rates^
-
Establishment fee^
$30^
Account alerts
No charge
Manual transactions^
-
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
$5
Special features
-
Electronic transactions^
-
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^
$10

Cheque Plus

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
-
Monthly base or account management fee^
$2
Credit balance interest rates^0% ($0+) Establishment fee^
$30^
Account alerts
No charge
Manual transactions^
25 cents
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
$5
Special features
Fee rebates available10
Electronic transactions^
25 cents
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^
$10

Premium Main

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
Unlimited
Monthly base or account management fee^
$30
Credit balance interest rates^
-
Establishment fee^
$30^
Account alerts
No charge
Manual transactions^
-
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
$5
Special features
Part of the Premium Package
Electronic transactions^
-
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^
$10

Premium Secondary

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
Unlimited
Monthly base or account management fee^
-
Credit balance interest rates^
-
Establishment fee^
$30
Account alerts
No charge
Manual transactions^
-
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
$5
Special features
Part of the Premium Package and to be held in conjunction with a Premium Main Account
Electronic transactions^
-
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^
$10

Flexi Money^

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
3014
Monthly base or account management fee^
$5
Credit balance interest rates^^ 0% ($0+) Establishment fee ^
$30
Account alerts
No charge
Manual transactions^
$2.50
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
$5
Special features
Base fee rebate available^
Electronic transactions^
$0.25 - $1
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^
$10

FEsta

Ready Money Convenience

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
Unlimited
Monthly base or account management fee^
$20
Credit balance interest rates^
0% ($0+)
Establishment fee^
$30
Account alerts
No charge
Manual transactions^
-
Personal Overdraft base interest rate
13.70 + margin*
Monthly facility fee^^
$5
Special features
Fee rebates available^
Electronic transactions^
-
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^
$10

Achiever Savings

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
1
Monthly base or account management fee^
-

Credit balance interest rates^
0.05% (total combined rate $0 - $4,999)
0.05% (total combined rate $5000+)
0% (base rate $0 - $4,999)
0% (base rate $5,000+)
0.05% (bonus rate $0 - $4,999)
0.05% (bonus rate $5,000+)

Establishment fee^
n/a
Account alerts
No charge
Manual transactions^
$2.50
Personal Overdraft base interest rate
n/a
Monthly facility fee^^
n/a
Special features
Bonus interest
Electronic transactions^
$2.50
Unarranged overdraft interest rate
10.70 + margin*
Monthly unarranged overdraft fee^^
$10

Personal Call

FeaturesStandard feesInterest rates (%p.a.)Overdraft fees
Number of free withdrawals per month^
No charges for deposits and withdrawals if transaction amount is $500 or more
Monthly base or account management fee^
None if average monthly balance is $5,000 or more, otherwise $5

Credit balance interest rates^
0% ($0-$499,999.99)  
 +  -%($500,000+)

Establishment fee^
n/a
Account alerts
No charge
Manual transactions^
No charges for deposits and withdrawals if transaction amount is $500 or more,
otherwise $2.50
Personal Overdraft base interest rate
n/a
Monthly facility fee^^
n/a
Special features
-
Electronic transactions^
No charges for deposits and withdrawals if transaction amount is $500 or more,
otherwise $2.50
Unarranged overdraft interest rate
10.70 + margin*
Monthly unarranged overdraft fee^^
$10

Small Print

* Arranged Overdraft Margin on application subject to BNZ lending criteria. If you go into unarranged overdraft, including if you go over your arranged overdraft limit, interest at the applicable Overdraft Base Rate (as indicated above) plus a margin of 10.00% p.a. also applies to the debit balance. Arranged and Unarranged Overdraft Fees also apply.

In these terms, 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 month, inclusive.

  1. SmartMoney is the account designed for those under 30. There is no charge for the combined 30 most expensive electronic transaction each month. These include electronic transactions through BNZ ATM's, internet banking, telephone banking, EFTPOS, automatic payments, bill payments, direct debits and direct credits. Account fees apply to transactions in excess of 30 each month. Service and facility fees still apply. See our Personal Account, Service and Facility Fees brochure. 

  2. Service fees may apply.

  3. Internet, electronic (including EFTPOS, direct debits, Telephone Banking, automatic payments) and self service. Service fees may apply. Payments into your account from other parties by way of BNZ Internet Banking, Automatic Payment or ATM are classed as Electronic Transactions.

  4. Cheque, store, and staff-assisted transactions. Service fees may apply.

  5. Fees are subject to change. Fees are charged on the last business day of each calendar month and are based on the period between the last business day of the previous calendar month and the second to last business day of the current month, inclusive.

  6. Interest is calculated daily and paid monthly. Rate subject to change. A month refers to the period from the last business day of the previous month to the second to last business day of the current calendar month.

  7. Payable on establishment of facility.

  8. Payable monthly in arrears.

  9. Debit interest charges also apply. Debit interest is calculated daily and is charged monthly.

  10. Payable monthly in arrears for overdrawn balances greater than $20. 

  11. Fee rebate available for the monthly base fee, overdraft facility fee, transaction fees, unarranged facility and telephone banking charges. Service Fees are not included in the Monthly Fee Rebates. Fees are subject to change. For more information about our fee rebates, please contact your nearest store.

  12. This includes transactions through BNZ ATM's, internet and telephone banking, EFTPOS,  automatic payments, bill payments, direct debits, direct credits and staff-assisted transactions. Service fees, including fees for telegraphic transfers, apply.

  13. Dynamic Money is especially designed for individual personal customers under the age of 19 who satisfy our normal account opening criteria to qualify for reduced fees. 

  14. There is no charge for the combined 30 most expensive electronic transactions each month. These include electronic transactions through BNZ ATM's, internet banking, telephone banking, EFTPOS, automatic payments, bill payments, direct debits and direct credits. Account fees apply to transactions in excess of 30 each month. Service and facility fees still apply. For more information, see our Personal Account, Service and Facility Fees brochure. 

  15. Interest is calculated and paid monthly on the portion of the Account’s minimum monthly balance above $2,500. If the end of day balance of your FlexiMoney account is less than $2,500 at any time during a month, no credit interest will be payable on the Account for that month. 

  16. A monthly base fee is payable each month your Flexi Money account remains open. FlexiMoney customers may be eligible for one of the two base fee waivers. If one or more of your FlexiMoney account(s) meets criteria one, criteria two cannot apply to any other FlexiMoney account(s) under the same base number:-

    • Criteria One: Minimum Monthly Base Fee Waiver. If you have a minimum monthly balance of $2,500 or more in your FlexiMoney account the monthly base fee ($5.00) will be waived for the month.
    • Criteria Two: Average daily group balance of $25,000+ Base Fee Waiver. If you do not have a minimum monthly balance of $2,500 in your FlexiMoney account but your average daily group balance is $25,000 or more for the month, one FlexiMoney account base fee will be waived for that month. Should you have more than one FlexiMoney account on the same base number, the group balance base fee waiver applies to the account with the lowest suffix number.