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


Institution Credit Rating Account type Minimum deposit $ Interest rate %
ANZAA-Online savings $10.10
AA-Ready Saver$10.10
AA-Ready Saver$5,0000.10
AA-Savings On Call$10.10
AA-Savings On Call$10,0000.25
AA-Savings On Call$25,0000.30
AA-Savings On Call$50,0000.35
AA-Savings On Call$100,0000.40
Bank of BarodaBBB-Savings $1,0002.00
BBB-Super savings $1,0002.00
Bank of IndiaBB+Star savings$1,0002.00
BB+Star super savings$1,0002.00
BNZAA-Personal OnCall$10.10
AA-Total Money$100,0000.10
Co-operative BankBBBOnline Account$11.00
BBBSmile On Call$15,0000.10
BBBSmile On Call$50,0000.50
BBBSmile On Call$100,0001.00
Heartland BankBBBHeartland Saver$11.75
BBBBusiness Call Accounts$12.25
BBBDirect Call$12.25
BBBHeartland Everyday$10.10
BBBHeartland Everyday$10,0000.15
BBBHeartland Everyday$50,0000.20
BBBHeartland Everyday$100,0000.25
BBBHeartland Everyday$250,0000.50
BBBHeartland Savings Optimiser$11.85
AA-Smart Saver$02.25
ICBC ASavings$12.25
KiwibankANotice Saver 90 days$2,0003.25
ANotice Saver 32 days$2,0002.25
ABack-up Saver$10.15
ABill Blaster$1000.10
AFront Runner$4,0000.10
AFront Runner$15,0000.10
AFront Runner$50,0000.25
AFront Runner$100,0001.50
KookminAPersonal Cheque$100,0000.05
APersonal Cheque$250,0000.20
RaboDirectANoticeSaver 60 days$13.00
APremiumSaver - base$10.55
APremiumSaver - bonus$11.55
APremiumSaver - potential rate$12.10
SBS Bank.BBBi-Save$11.00
BBBProspector Call$10.25
BBBProspector Call$50,0000.80
BBBProspector Call$100,0001.50
BBBTransactional account$5,0000.25
BBBTransactional account$50,0000.50
TSB BankA-WebSaver$1,0001.55
A-Horizon Savings$11.55
A-Premier Cheque$10.95
A-Premier Cheque$20,0001.15
A-Premier Cheque$35,0001.55
A-Premier Cheque$50,0002.05
A-Premier Cheque$100,0002.25
WestpacAA-Notice Saver 32 days$12.65
AA-Simple Saver$10.10


Institution Credit Rating Account type Minimum deposit $ Interest rate %
ASB SecuritiesCash Management Trust$100,0000.50
Cash Management Trust$250,0000.75
Cash Management Trust$500,0001.50
Craigs Investment PartnersCash Management Trust$11.45
Cash Management Trust$20,0001.65
Cash Management Trust$100,0002.10
Cash Management Trust$250,0002.25
Direct BrokingOMCA$11.00
Forsyth BarrCash Management Trust$3,0001.25
Cash Management Trust$20,0001.50
Cash Management Trust$50,0002.00
Cash Management Trust$250,0002.25

Building Societies

Institution Credit Rating Account type Minimum deposit $ Interest rate %
HeretaungaOn Call$12.00
On Call$50,0002.00
On Call$100,0002.50

Credit Unions

Institution Credit Rating Account type Minimum deposit $ Interest rate %
Aotearoa Credit UnionSerious Saver$11.00
Serious Saver$5002.00
Serious Saver$1,0002.50
Home deposit account$11.50
Home deposit account$1,0002.00
Home deposit account$10,0002.50
First CUBBOnline savings$12.50
NZ Firefighters CUBill Pay Account$10.50
Christmas Club (Membership criteria apply)$12.00
NZCU AucklandSuccess Saver$12.00
Success Saver$5,0003.00
NZCU BaywideBBOnline Saver$1,0001.75
BBOnline Saver$20,0002.00
BBSuccess Saver$10.95
BBSuccess Saver$20,0001.30
BBSuccess Saver$100,0001.50
BBGoal Saver$11.00
BBChristmas Saver$11.50
NZCU CentralMoney maker$12.00
Money maker$2,0002.25
Money maker$10,0003.00
Cash Access Shares$21.00
NZCU EmployeesTarget Saver$12.00
Loan Provider$12.00
Christmas Club$14.00
NZCU SouthBBSuccess Saver$11.60
BBSuccess Saver$5,0001.60
BBSuccess Saver$100,0001.60
Police CUBBBAchiever Saver (Membership criteria apply)$11.30
BBBTransactional Account (Membership criteria apply)$2,0000.25
BBBChristmas Club (Membership criteria apply)$11.50

Crown Agencies

Institution Credit Rating Account type Minimum deposit $ Interest rate %

Finance Companies

Institution Credit Rating Account type Minimum deposit $ Interest rate %
Christian Savings BBCall$10.20
UDCBBBCall $5,0001.85
BBBCall $20,0002.20
BBBCall $100,0002.35