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Bank of New Zealand

Term Deposit

Term Deposit • Personal • Last updated 2 October 2026 • Visit website
Deposit Range: $2,000 - $5,000,000
Term Rate
3 Months 2.90% p.a.
6 Months 3.60% p.a.
1 Year 4.05% p.a.
2 Years 4.35% p.a.
3 Years 4.60% p.a.
4 Years 4.85% p.a.
5 Years 4.85% p.a.
Interest Paid: Monthly
Deposit Range: $2,000 - $5,000,000
Term Rate
1 Month 1.85% p.a.
3 Months 2.90% p.a.
6 Months 3.60% p.a.
1 Year 4.05% p.a.
2 Years 4.35% p.a.
3 Years 4.60% p.a.
4 Years 4.85% p.a.
5 Years 4.85% p.a.
Interest Paid: At Maturity

Term PIE

Term Deposit • Personal • Last updated 2 October 2026 • Visit website
Deposit Range: $2,000 - $10,000,000
Term Rate
1 Month 1.85% p.a.
3 Months 2.90% p.a.
6 Months 3.60% p.a.
1 Year 4.05% p.a.
2 Years 4.35% p.a.
3 Years 4.60% p.a.
4 Years 4.85% p.a.
5 Years 4.85% p.a.
Interest Paid: At Maturity

Business First OnCall

Savings Account • Business • Last updated 2 October 2026 • Visit website
Balance Range: $1+
Base Rate Bonus Rate Total Rate
2.00% p.a. - 2.00% p.a.

Rapid Save

Savings Account • Personal • Last updated 2 October 2026 • Visit website
Balance Range: $1 - $5,000,000
Base Rate Bonus Rate Total Rate
2.20% p.a. - 2.20% p.a.
Interest Calculated: Daily
Interest Paid: Monthly
Conditions: One free withdrawal per bank month; subsequent withdrawals cost $3 each. Transfers to BNZ term deposits or Term PIEs are not classified as withdrawals.

Home Loan

Home Loan • Personal • Last updated 2 October 2026 • Visit website
Term Rate
Floating 6.34% p.a.
6 Months 4.89% p.a.
1 Year 5.19% p.a.
2 Years 5.35% p.a.
3 Years 5.59% p.a.
4 Years 5.65% p.a.
5 Years 5.75% p.a.

Mortgage One

Home Loan • Personal • Last updated 4 September 2026 • Visit website
Term Rate
Floating 6.44% p.a.

Rapid Repay

Home Loan • Personal • Last updated 4 September 2026 • Visit website
Term Rate
Floating 6.44% p.a.

TotalMoney

Home Loan • Personal • Last updated 4 September 2026 • Visit website
Term Rate
Floating 6.44% p.a.

Better Future Home Loan

Home Loan • Personal • Last updated 4 September 2026 • Visit website
Top-up up to $80,000 for eligible upgrades to your home or electric transport options; BNZ Standard home loan only, minimum 20% equity required, not eligible for cashback.
Term Rate
3 Years 1.00% p.a.

Advantage Classic Visa

Credit Card • Personal • Last updated 29 March 2026 • Visit website
Network Visa
Purchase Rate 20.95% p.a.
Interest-Free Days 44
Annual Fee $20
Rewards True Rewards - 1 BNZ Point for every $1 spent

Advantage Visa Platinum

Credit Card • Personal • Last updated 29 March 2026 • Visit website
Network Visa
Purchase Rate 18.95% p.a.
Interest-Free Days 44
Annual Fee $45
Rewards Other - 1.67 BNZ Points per $1 spent

Lite Visa

Credit Card • Personal • Last updated 24 December 2025 • Visit website
Network Visa
Purchase Rate 13.50% p.a.
Interest-Free Days 55
Annual Fee $5