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 % |
|---|---|---|---|---|
| ANZ | AA- | Online savings | $1 | 0.10 |
| AA- | Ready Saver | $1 | 0.10 | |
| AA- | Ready Saver | $5,000 | 0.10 | |
| AA- | Select | $5,000 | 0.10 | |
| AA- | Select | $50,000 | 0.10 | |
| AA- | Select | $100,000 | 0.10 | |
| ASB | AA- | FastSaver | $1 | 0.10 |
| AA- | Unlimited | $100,000 | 0.10 | |
| AA- | Savings On Call | $1 | 0.10 | |
| AA- | Savings On Call | $10,000 | 0.25 | |
| AA- | Savings On Call | $25,000 | 0.30 | |
| AA- | Savings On Call | $50,000 | 0.35 | |
| AA- | Savings On Call | $100,000 | 0.40 | |
| Bank of Baroda | BBB- | Savings | $1,000 | 2.00 |
| BBB- | Super savings | $1,000 | 2.00 | |
| Bank of India | BB+ | Star savings | $1,000 | 2.00 |
| BB+ | Star super savings | $1,000 | 2.00 | |
| BNZ | AA- | Personal OnCall | $1 | 0.10 |
| AA- | Total Money | $100,000 | 0.10 | |
| AA- | Call | $500,000 | 0.10 | |
| Co-operative Bank | BBB | Online Account | $1 | 1.00 |
| BBB | Smile On Call | $15,000 | 0.10 | |
| BBB | Smile On Call | $50,000 | 0.50 | |
| BBB | Smile On Call | $100,000 | 1.00 | |
 | BBB | Heartland Saver | $1 | 1.75 |
| BBB | Business Call Accounts | $1 | 2.25 | |
| BBB | Direct Call | $1 | 2.25 | |
| BBB | Heartland Everyday | $1 | 0.10 | |
| BBB | Heartland Everyday | $10,000 | 0.15 | |
| BBB | Heartland Everyday | $50,000 | 0.20 | |
| BBB | Heartland Everyday | $100,000 | 0.25 | |
| BBB | Heartland Everyday | $250,000 | 0.50 | |
| BBB | Heartland Savings Optimiser | $1 | 1.85 | |
| HSBC | AA- | E-Saver | $1 | 0.20 |
| AA- | Smart Saver | $0 | 2.25 | |
| ICBC | A | Savings | $1 | 2.25 |
| Kiwibank | A | Notice Saver 90 days | $2,000 | 3.25 |
| A | Notice Saver 32 days | $2,000 | 2.25 | |
| A | Back-up Saver | $1 | 0.15 | |
| A | Bill Blaster | $100 | 0.10 | |
| A | Front Runner | $4,000 | 0.10 | |
| A | Front Runner | $15,000 | 0.10 | |
| A | Front Runner | $50,000 | 0.25 | |
| A | Front Runner | $100,000 | 1.50 | |
| Kookmin | A | Personal Cheque | $100,000 | 0.05 |
| A | Personal Cheque | $250,000 | 0.20 | |
 | A | NoticeSaver 60 days | $1 | 3.00 |
| A | RaboSaver | $1 | 0.75 | |
| A | RaboSaver | $5,000,000 | 0.55 | |
| A | PremiumSaver - base | $1 | 0.55 | |
| A | PremiumSaver - bonus | $1 | 1.55 | |
| A | PremiumSaver - potential rate | $1 | 2.10 | |
| SBS Bank. | BBB | i-Save | $1 | 1.00 |
| BBB | Prospector Call | $1 | 0.25 | |
| BBB | Prospector Call | $50,000 | 0.80 | |
| BBB | Prospector Call | $100,000 | 1.50 | |
| BBB | Transactional account | $5,000 | 0.25 | |
| BBB | Transactional account | $50,000 | 0.50 | |
 | A- | WebSaver | $1,000 | 1.55 |
| A- | Horizon Savings | $1 | 1.55 | |
| A- | Premier Cheque | $1 | 0.95 | |
| A- | Premier Cheque | $20,000 | 1.15 | |
| A- | Premier Cheque | $35,000 | 1.55 | |
| A- | Premier Cheque | $50,000 | 2.05 | |
| A- | Premier Cheque | $100,000 | 2.25 | |
| Westpac | AA- | Notice Saver 32 days | $1 | 2.65 |
| AA- | Simple Saver | $1 | 0.10 |
Brokers
| Institution | Credit Rating | Account type | Minimum deposit $ | Interest rate % |
|---|---|---|---|---|
| ASB Securities | Cash Management Trust | $100,000 | 0.50 | |
| Cash Management Trust | $250,000 | 0.75 | ||
| Cash Management Trust | $500,000 | 1.50 | ||
 | Cash Management Trust | $1 | 1.45 | |
| Cash Management Trust | $20,000 | 1.65 | ||
| Cash Management Trust | $100,000 | 2.10 | ||
| Cash Management Trust | $250,000 | 2.25 | ||
| Direct Broking | OMCA | $1 | 1.00 | |
 | Cash Management Trust | $3,000 | 1.25 | |
| Cash Management Trust | $20,000 | 1.50 | ||
| Cash Management Trust | $50,000 | 2.00 | ||
| Cash Management Trust | $250,000 | 2.25 |
Building Societies
| Institution | Credit Rating | Account type | Minimum deposit $ | Interest rate % |
|---|---|---|---|---|
| Heretaunga | On Call | $1 | 2.00 | |
| On Call | $50,000 | 2.00 | ||
| On Call | $100,000 | 2.50 | ||
| Nelson | BB+ | Call | $1 | 1.75 |
| BB+ | Target | $100 | 1.00 | |
| BB+ | Target | $100,000 | 1.50 | |
| BB+ | Cheque | $5,000 | 0.50 | |
| BB+ | Cheque | $50,000 | 0.50 | |
| BB+ | Access | $10,000 | 0.50 |
Credit Unions
| Institution | Credit Rating | Account type | Minimum deposit $ | Interest rate % |
|---|---|---|---|---|
| Aotearoa Credit Union | Serious Saver | $1 | 1.00 | |
| Serious Saver | $500 | 2.00 | ||
| Serious Saver | $1,000 | 2.50 | ||
| Home deposit account | $1 | 1.50 | ||
| Home deposit account | $1,000 | 2.00 | ||
| Home deposit account | $10,000 | 2.50 | ||
| First CU | BB | Online savings | $1 | 2.50 |
| BB | Moneymaker | $5,000 | 2.50 | |
| NZ Firefighters CU | Bill Pay Account | $1 | 0.50 | |
| Christmas Club (Membership criteria apply) | $1 | 2.00 | ||
| NZCU Auckland | Success Saver | $1 | 2.00 | |
| Success Saver | $5,000 | 3.00 | ||
| NZCU Baywide | BB | Online Saver | $1,000 | 1.75 |
| BB | Online Saver | $20,000 | 2.00 | |
| BB | Success Saver | $1 | 0.95 | |
| BB | Success Saver | $20,000 | 1.30 | |
| BB | Success Saver | $100,000 | 1.50 | |
| BB | Goal Saver | $1 | 1.00 | |
| BB | Christmas Saver | $1 | 1.50 | |
| NZCU Central | Money maker | $1 | 2.00 | |
| Money maker | $2,000 | 2.25 | ||
| Money maker | $10,000 | 3.00 | ||
| Cash Access Shares | $2 | 1.00 | ||
| NZCU Employees | Target Saver | $1 | 2.00 | |
| Loan Provider | $1 | 2.00 | ||
| Christmas Club | $1 | 4.00 | ||
| NZCU South | BB | Success Saver | $1 | 1.60 |
| BB | Success Saver | $5,000 | 1.60 | |
| BB | Success Saver | $100,000 | 1.60 | |
| Police CU | BBB | Achiever Saver (Membership criteria apply) | $1 | 1.30 |
| BBB | Transactional Account (Membership criteria apply) | $2,000 | 0.25 | |
| BBB | Christmas Club (Membership criteria apply) | $1 | 1.50 |
Crown Agencies
| Institution | Credit Rating | Account type | Minimum deposit $ | Interest rate % |
|---|
Finance Companies
| Institution | Credit Rating | Account type | Minimum deposit $ | Interest rate % |
|---|---|---|---|---|
| Christian Savings | BB | Call | $1 | 0.20 |
| BB | Call | $5,000 | 0.25 | |
| BB | Call | $20,000 | 0.30 | |
| BB | Call | $50,000 | 0.35 | |
| UDC | BBB | Call | $5,000 | 1.85 |
| BBB | Call | $20,000 | 2.20 | |
| BBB | Call | $100,000 | 2.35 |