Standard savings accounts

We have updated our coverage of Saving accounts, separating them out by type. Unique pages now exist for the following savings account types:
- Bonus savings accounts - Business savings accounts - Children's accounts
- Online savings accounts - Standard savings accounts

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for term deposits up to 9 months, see here »

Make sense of all these rates by using our Savings Calculator

Banks

Institution Credit Rating Account type Minimum deposit $ Interest rate %
ANZAA-Online savings $10.75*
AA-Ready Saver$10.00*
AA-Ready Saver$5,0000.50*
AA-Select$5,0000.25*
AA-Select$50,0000.25*
AA-Select$100,0001.00*
ASBAA-FastSaver$10.75
AA-Unlimited$10.25
AA-Unlimited$100,0000.75
AA-Savings On Call$10.75
AA-Savings On Call$10,0001.05
AA-Savings On Call$25,0001.10
AA-Savings On Call$50,0001.15
AA-Savings On Call$100,0001.20
AA-PrizeSaver$10.25
Bank of BarodaBBB-Savings $1,0002.50
BBB-Super savings $1,0002.50
Bank of IndiaBBB-Star savings$1,0002.20
BBB-Star super savings$1,0002.20
BankDirectAA-Savings$11.25
AA-HITA$5,0000.25
AA-HITA$50,0000.25
AA-HITA$100,0000.75
BNZAA-Personal OnCall$10.55
AA-Total Money$10.15
AA-Total Money$100,0000.55
AA-Call$5,0000.00
AA-Call$20,0000.00
AA-Call$100,0000.05
AA-Call$250,0000.30
AA-Call$500,0000.55
Co-operative BankBBB-Online Account$11.50
BBB-Basic Saver$11.00
BBB-Smile On Call$4,0000.25
BBB-Smile On Call$15,0000.50
BBB-Smile On Call$50,0000.75
BBB-Smile On Call$100,0001.50
Heartland BankBBBHeartland Saver$12.50
BBBBusiness Call Accounts$13.00*
BBBDirect Call$13.00*
BBBHeartland Everyday$10.10
BBBHeartland Everyday$10,0000.25
BBBHeartland Everyday$50,0000.50
BBBHeartland Everyday$100,0000.75
BBBHeartland Everyday$250,0001.50
BBBHeartland Savings Optimiser$12.60
HSBCAA-E-Saver$10.75
AA-Premier Multi Currency$10.00
AA-Premier Multi Currency$20,0001.00
ICBCASavings$12.50
KiwibankA+Notice Saver 32 days$2,0002.50
A+Notice Saver 90 days$2,0002.75
A+Back-up Saver$10.50
A+Bill Blaster$1000.25
A+Front Runner$4,0000.25
A+Front Runner$15,0000.25
A+Front Runner$50,0000.75
A+Front Runner$100,0002.00
KookminAPersonal Cheque$20,0000.00
APersonal Cheque$100,0000.05
APersonal Cheque$250,0000.20
RaboDirectANoticeSaver 60 days$13.00
ARaboSaver$11.75
ARaboSaver$5,000,0001.55
APremiumSaver - base$11.00
APremiumSaver - bonus$12.00
APremiumSaver - potential rate$13.00
SBS Bank.BBBi-Save$11.80
BBBProspector Call$1,0000.25
BBBProspector Call$5,0000.55
BBBProspector Call$10,0001.05
BBBProspector Call$100,0001.55
BBBProspector Call$250,0001.80
BBBTransactional account$10.25
BBBTransactional account$5,0000.55
BBBTransactional account$20,0001.05
BBBTransactional account$50,0001.55
BBBTransactional account$200,0001.80
TSB BankA-WebSaver$1,0002.00
A-Horizon Plan$12.00
A-Premier Cheque$11.50*
A-Premier Cheque$20,0001.75*
A-Premier Cheque$35,0002.00*
A-Premier Cheque$50,0002.65*
A-Premier Cheque$100,0002.80*
WestpacAA-Notice Saver - Standard$5002.80
AA-Notice Saver - 32 days Notice$5000.55
AA-Online Saver$10.55
AA-Earner Account$5,0000.20
AA-Earner Account$50,0000.30
AA-Earner Account$100,0000.40
AA-Save & Win$10.10
AA-Simple Saver$10.40

Brokers

Institution Credit Rating Account type Minimum deposit $ Interest rate %
ASB SecuritiesCash Management Trust$20,0000.00
Cash Management Trust$100,0000.50
Cash Management Trust$250,0000.75
Cash Management Trust$500,0001.50
Craigs Investment PartnersCash Management Trust$11.50
Cash Management Trust$20,0001.75
Cash Management Trust$100,0002.15
Cash Management Trust$250,0002.40
Direct BrokingOMCA$13.00
Forsyth BarrCash Management Trust$3,0001.75
Cash Management Trust$20,0002.00
Cash Management Trust$50,0002.50
Cash Management Trust$250,0002.75

Building Societies

Institution Credit Rating Account type Minimum deposit $ Interest rate %
HeretaungaOn Call$12.25
On Call$50,0002.25
On Call$100,0002.75
NelsonBB+Call$12.25
BB+Target$1001.00
BB+Target$100,0001.50
BB+Cheque$00.00
BB+Cheque$5,0001.00
BB+Cheque$50,0002.00
BB+Access$10.00
BB+Access$10,0001.00

Credit Unions

Institution Credit Rating Account type Minimum deposit $ Interest rate %
Aotearoa Credit UnionSerious Saver$12.00
Serious Saver$5003.00
Serious Saver$1,0004.00
Loan Provider$12.00
Home deposit account$13.50
Home deposit account$1,0004.50
Home deposit account$5,0005.50
Home deposit account$10,0006.00
Credit Union CentralMoney maker$12.00
Money maker$2,0002.50
Money maker$10,0003.85
Cash Access Shares$21.00
First CUBB-Online savings$13.00
BB-Moneymaker$5,0003.00
NZCU AucklandSuccess Saver$12.25
Success Saver$5,0003.25
NZCU BaywideBBOnline Saver$1,0002.25
BBEveryday$10.50
BBSuccess Saver$11.00
BBSuccess Saver$20,0001.75
BBSuccess Saver$100,0002.00
BBGoal Saver$11.50
BBChristmas Saver$11.50
NZCU SouthBB-Success Saver$11.90
BB-Success Saver$5,0001.90
BB-Success Saver$100,0001.90
Police CUBB+Achiever Saver (Membership criteria apply)$12.25
BB+Transactional Account (Membership criteria apply)$1,0000.00
BB+Transactional Account (Membership criteria apply)$2,0000.25
BB+Christmas Club (Membership criteria apply)$12.00

Crown Agencies

Institution Credit Rating Account type Minimum deposit $ Interest rate %

Finance Companies

Institution Credit Rating Account type Minimum deposit $ Interest rate %
ActivaHealth Management Account$11.50
Health Management Account$2,5002.75
Baptist SavingsB+Call$10.25
B+Call$5,0000.25
B+Call$20,0000.45
B+Call$50,0000.60
Bible SocietyCall$11.00
Call$5,0001.50
Call$10,0001.75
Fisher & Paykel FinanceBBCall $1,0002.50
BBCall $25,0002.50
UDC FinanceAA-Call $5,0002.20
AA-Call $20,0002.55
AA-Call $100,0002.70