Rates and fees for our products
We want to make it as easy as possible for you to find information on interest rates, fees, rewards, and rebates on your accounts.
If you’d like more information on any of these, please phone us on 0800 275 269.
For corporate rates and fees, please contact your BNZ Client Director.
Personal banking rates and fees
- Transaction accounts
- Savings accounts
- Credit cards
- Home loans
- Personal loans
- Term deposits
- BNZ Term PIE
- YouWealth managed funds
- Service charges
Personal account, service, and facility fees explained PDF 136KB
Foreign currency rates, fees, and rebates
The BNZ Standard Terms and Conditions apply to foreign currency accounts.
Business banking rates and fees
Find out information on interest rates, fees, rewards and rebates on your business accounts.
Find out about any changes to our rates and fees
Home loan rates
Rates effective as at Friday 23, October 2026.
These rates apply to all home loans. That includes loans with Residential Owner Occupied or Residential Investor interest rate types. All interest rates are per annum.
Rapid Save rate
Rate effective as at Friday 23, October 2026.
Term deposit rates
Rates effective as at Friday, 23 October 2026.
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.
BNZ Term PIE rates
Issued and managed by Harbour Asset Management Limited.
Rates effective as at Friday, 23 October 2026.
Rates are subject to change without notice. Depending on the investment term, you can choose to have your returns paid monthly, quarterly, six monthly, annually, or at maturity.