Back to Rates and fees

Rates and fees for everyday accounts not on sale

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.

Personal OnCall

FEATURES STANDARD FEES INTEREST RATES (%P.A.) OVERDRAFT FEES

Number of free withdrawals per month
Unlimited automatic payments and withdrawals through Internet Banking, the BNZ app, and telephone banking.

A $3 fee applies for all other withdrawals.

Monthly base or account management fee^
-

Credit balance interest rates^

0.05%
Establishment fee^
n/a
Account alerts
No charge
Manual transactions^
-
Personal Overdraft base interest rate
n/a
Monthly facility fee^^
n/a
Special features
No charge to move your money between your BNZ accounts online, and your interest rate is unaffected by your account balance. 
Electronic transactions^
-
Unarranged overdraft interest rate
10.20 + margin*
Monthly unarranged overdraft fee^^^
$10

Premium Main

FEATURES STANDARD FEES INTEREST 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^^
No charge
Special features
Part of the Premium Package
Electronic transactions^
-
Unarranged overdraft interest rate
13.70 + margin*
Monthly unarranged overdraft fee^^^
$10

Premium Secondary

FEATURES STANDARD FEES INTEREST 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^^
No charge
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

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