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 $12.50*
AA-Ready Saver$10.75*
AA-Ready Saver$5,0001.25*
AA-Select$5,0000.75*
AA-Select$50,0001.00*
AA-Select$100,0002.25*
ASBAA-FastSaver$12.15
AA-Unlimited$10.40
AA-Unlimited$100,0002.15
AA-Savings On Call$12.15
AA-Savings On Call$10,0002.35
AA-Savings On Call$25,0002.40
AA-Savings On Call$50,0002.45
AA-Savings On Call$100,0002.50
AA-PrizeSaver$10.50
Bank of BarodaBBB-Savings $1,0002.50
BBB-Super savings $1,0002.50
Bank of IndiaBBB-Star savings$1,0002.50
BBB-Star super savings$1,0002.50
BankDirectAA-Savings$12.50
AA-HITA$5,0000.40
AA-HITA$50,0000.40
AA-HITA$100,0002.15
BNZAA-Personal OnCall$12.50
AA-Total Money$11.00
AA-Total Money$100,0002.50
AA-Call$5,0000.40
AA-Call$20,0000.50
AA-Call$100,0001.00
AA-Call$250,0001.75
AA-Call$500,0002.00
Co-operative BankBBB-Online Account$12.70
BBB-Basic Saver$11.50
BBB-Smile On Call$4,0001.25
BBB-Smile On Call$15,0001.50
BBB-Smile On Call$50,0001.75
BBB-Smile On Call$100,0002.70
HBS BankBBBi-Save$12.75
BBBProspector Call$1,0000.50
BBBProspector Call$5,0002.05
BBBProspector Call$10,0002.00
BBBProspector Call$100,0002.50
BBBProspector Call$250,0002.75
BBBTransactional Account$10.50
BBBTransactional Account$5,0001.50
BBBTransactional Account$20,0002.00
BBBTransactional Account$50,0002.50
BBBTransactional Account$200,0002.75
Heartland BankBBBHeartland Saver$13.15
BBBBusiness Call Accounts$13.65*
BBBDirect Call$13.85*
BBBHeartland Everyday$10.25
BBBHeartland Everyday$10,0000.50
BBBHeartland Everyday$50,0001.00
BBBHeartland Everyday$100,0001.50
BBBHeartland Everyday$250,0002.25
BBBHeartland Savings Optimiser$13.35
HSBCAA-E-Saver$13.10
AA-Everyday Account$10.00
AA-Everyday Account$15,0000.50
AA-Premier Multi Currency$10.00
AA-Premier Multi Currency$20,0001.00
ICBCASavings$12.50
KiwibankA+Notice Saver 32 days$2,0003.55
A+Notice Saver 90 days$2,0004.00
A+Back-up Saver$11.00
A+Bill Blaster$1000.50
A+Front Runner$4,0001.25
A+Front Runner$15,0001.25
A+Front Runner$50,0001.75
A+Front Runner$100,0003.00
KookminAPersonal Cheque$10,0000.25
APersonal Cheque$20,0000.50
APersonal Cheque$100,0000.75
APersonal Cheque$250,0001.50
RaboDirectARaboSaver$12.75
ARaboSaver$5,000,0002.55
APremiumSaver - base$11.00
APremiumSaver - bonus$12.90
APremiumSaver - potential rate$13.90
SBS Bank.BBBi-Save$12.75
BBBProspector Call$1,0000.50
BBBProspector Call$5,0001.50
BBBProspector Call$10,0002.00
BBBProspector Call$100,0002.50
BBBProspector Call$250,0002.75
BBBTransactional account$10.50
BBBTransactional account$5,0001.50
BBBTransactional account$20,0002.00
BBBTransactional account$50,0002.50
BBBTransactional account$200,0002.75
TSB BankBBB+WebSaver$1,0003.00
BBB+Horizon Plan$12.75
BBB+Premier Cheque$12.50*
BBB+Premier Cheque$20,0002.75*
BBB+Premier Cheque$35,0003.00*
BBB+Premier Cheque$50,0003.50*
BBB+Premier Cheque$100,0003.90*
WestpacAA-Online Saver$12.45
AA-Earner Account$5,0000.50
AA-Earner Account$50,0001.50
AA-Earner Account$100,0002.25
AA-Save & Win$10.25
AA-Simple Saver$11.75

Brokers

Institution Credit Rating Account type Minimum deposit $ Interest rate %
ASB SecuritiesCash Management Trust$10.00
Cash Management Trust$5,0000.00
Cash Management Trust$20,0000.90
Cash Management Trust$100,0001.90
Cash Management Trust$250,0001.90
Cash Management Trust$500,0002.50
Craigs Investment PartnersCash Management Trust$12.50
Cash Management Trust$20,0002.75
Cash Management Trust$100,0003.00
Cash Management Trust$250,0003.30
Direct BrokingOMCA$13.00
Forsyth BarrCash Management Trust$3,0002.50
Cash Management Trust$20,0002.75
Cash Management Trust$50,0003.25
Cash Management Trust$250,0003.50

Building Societies

Institution Credit Rating Account type Minimum deposit $ Interest rate %
HeretaungaOn Call$13.25
On Call$50,0003.25
On Call$100,0003.50
NapierCall$12.50
NelsonBB+On Call$13.00
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
First CUBBOnline savings$14.00
BBMoneymaker$5,0003.75
NZCU AucklandSuccess Saver$13.00
Success Saver$5,0004.00
NZCU BaywideBBOnline Saver$1,0004.00
BBOnline Saver$20,0004.00
BBEveryday$11.00
BBSuccess Saver$11.50
BBSuccess Saver$5,0001.50
BBSuccess Saver$20,0002.00
BBSuccess Saver$100,0003.50
BBGoal Saver$11.50
BBChristmas Saver$12.00
NZCU CentralMoney maker$12.25
Money maker$2,0003.50
Money maker$10,0004.10
Cash Access Shares$23.00
NZCU SouthBBSuccess Saver$13.50
BBSuccess Saver$5,0003.50
BBSuccess Saver$100,0003.50
Police CUBB+Achiever Saver$13.00
BB+Transactional Account$1,0000.25
BB+Transactional Account$2,0000.75
BB+Christmas Club$12.50

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$11.00
B+Call$5,0001.50
B+Call$20,0002.00
B+Call$50,0002.50
Bible SocietyCall$1002.00
Fisher & Paykel FinanceBB+Call $1,0003.15
BB+Call $25,0003.15
Medical SecuritiesBBB+Savings Plan (Membership Criteria Apply$13.25
UDC FinanceAA-Telephone Call $5,0002.95
AA-Telephone Call $20,0003.30
AA-Telephone Call $100,0003.45