Rates and fees for everyday accounts not on sale
If you have a transaction account, savings account, or personal overdraft that we no longer offer, you’ll find the rates and fees below. All rates and fees are subject to change.
Permanent personal arranged overdraft
| Account type |
YouMoney / TotalMoney |
| Overdraft interest rate | 13.70% p.a. + 6.25% margin^ |
| Overdraft default interest rate | 13.70% p.a. + 10% margin^ |
We also no longer offer increases to permanent personal overdraft limits.
These rates are variable and can change at any time, including after you enter into your contract. BNZ will publicly announce any changes to variable interest rates.
Service fees (including a paper statement fee of $1.50 per envelope) may be charged in addition to the rates listed above.^
YouMoney Tertiary overdraft
LIMIT (INTEREST FREE) |
|
| Students and apprentices | $1,000 overdraft limit for first year $1,500 overdraft limit for second year $2,000 overdraft limit for third and subsequent years |
| Graduates | $2,000 overdraft limit |