| Institution | Credit Rating | Account type | Minimum deposit $ | Interest rate % |
|---|---|---|---|---|
| ANZ | AA- | Online savings | $1 | 2.75 |
| AA- | Select | $5,000 | 1.40 | |
| ASB | AA- | FastSaver | $1 | 2.25 |
| AA- | Savings On Call | $1 | 2.90 | |
| AA- | Unlimited | $100,000 | 0.05 | |
| Bank of Baroda | BBB- | Savings | $1,000 | 2.25 |
| BBB- | Super savings | $1,000 | 0.60 | |
| Bank of China | A | Online Saver | $10,000 | 4.70 |
| Bank of India | BB+ | Star savings | $1,000 | 0.10 |
| BB+ | Star super savings | $1,000 | 0.10 | |
| BNZ | AA- | Total Money | $100,000 | 0.00 |
| AA- | Rapid Save | $1 | 4.55 | |
| China Construction Bank | A | Saving | $1,000 | 2.25 |
| Co-operative Bank | BBB | Online Account | $1 | 2.45 |
| BBB | Smile On Call | $4,000 | 1.85 | |
| Heartland Bank | BBB | Digital Saver | $1 | 5.00 |
| BBB | Direct Call | $1 | 4.60 | |
| BBB | Notice Saver 32 days | $1 | 5.25 | |
| BBB | Notice Saver 90 days | $0 | 5.50 | |
| BBB | YouChoose | $0 | 0.50 | |
| BBB | Business Call Accounts | $1 | 4.60 | |
| BBB | Heartland Everyday | $1 | 0.05 | |
| BBB | Heartland Everyday | $10,000 | 0.10 | |
| BBB | Heartland Everyday | $50,000 | 0.10 | |
| BBB | Heartland Everyday | $100,000 | 0.15 | |
| BBB | Heartland Everyday | $250,000 | 0.20 | |
| HSBC | AA- | Smart Saver | $0 | 4.20 |
| ICBC | A | Savings | $1 | 2.20 |
| A | Smart Saver | $1 | 4.05 | |
| Kiwibank | A1 | Notice Saver 32 days | $1 | 4.80 |
| A1 | Notice Saver 90 days | $1 | 5.35 | |
| A1 | Online Call | $1 | 4.50 | |
| Kookmin | A | Personal Cheque | $100,000 | 0.00 |
| A | Personal Cheque | $250,000 | 0.00 | |
 | A | NoticeSaver 60 days | $1 | 5.40 |
| A | RaboSaver | $1 | 4.25 | |
| A | RaboSaver | $5,000,000 | 3.90 | |
| A | PremiumSaver - base | $1 | 2.50 | |
| A | PremiumSaver - bonus | $1 | 2.75 | |
| A | PremiumSaver - potential rate - to $100,000 | $1 | 5.25 | |
| SBS Bank. | BBB | i-Save | $1 | 1.85 |
| BBB | Prospector Call | $1 | 1.90 | |
| TSB Bank | A- | WebSaver | $1 | 4.20 |
| A- | Horizon Savings | $1 | 4.20 | |
| A- | Premier Cheque | $1 | 3.00 | |
| A- | Premier Cheque | $20,000 | 4.25 | |
| A- | Premier Cheque | $35,000 | 4.35 | |
| A- | Premier Cheque | $50,000 | 4.50 | |
| A- | Premier Cheque | $100,000 | 4.60 | |
| Westpac | AA- | Notice Saver 32 days | $1 | 4.75 |
| AA- | Simple Saver | $1 | 2.70 |
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 ยป
Make sense of all these rates by using our Savings Calculator
Banks
Peer-to-Peer
| Institution | Credit Rating | Account type | Minimum deposit $ | Interest rate % |
|---|---|---|---|---|
| Squirrel Money | On Call | $0 | 5.25 |
Fund Managers
| Institution | Credit Rating | Account type | Minimum deposit $ | Interest rate % |
|---|---|---|---|---|
| Kernel Wealth | 34 Day Notice Saver | $1 | 5.25 | |
| Sharesies | Save | $1 | 4.60 |
Brokers
| Institution | Credit Rating | Account type | Minimum deposit $ | Interest rate % |
|---|---|---|---|---|
| ASB Securities | Cash Management Trust | $100,000 | 0.00 | |
| Cash Management Trust | $250,000 | 0.00 | ||
| Cash Management Trust | $500,000 | 0.25 | ||
 | Cash Management Trust | $1 | 1.60 | |
| Cash Management Trust | $20,000 | 1.80 | ||
| Cash Management Trust | $100,000 | 2.00 | ||
| Cash Management Trust | $250,000 | 2.15 | ||
| Direct Broking | Cash Mangement Trust | $1 | 4.00 | |
| Cash Mangement Trust | $15,000 | 4.30 | ||
| Cash Mangement Trust | $50,000 | 4.85 | ||
| Cash Mangement Trust | $200,000 | 5.00 | ||
| Cash Mangement Trust | $1,000,000 | 5.40 | ||
| Cash Mangement Trust | $3,000,000 | 5.50 | ||
 | Cash Management Trust | $0 | 5.25 | |
| Cash Management Trust | $20,000 | 5.40 | ||
| Cash Management Trust | $50,000 | 5.50 | ||
| Cash Management Trust | $250,000 | 5.60 |
Building Societies
| Institution | Credit Rating | Account type | Minimum deposit $ | Interest rate % |
|---|---|---|---|---|
| Heretaunga | On Call | $1 | 0.70 | |
| On Call | $50,000 | 0.80 | ||
| On Call | $100,000 | 0.90 | ||
| Nelson | BB+ | Call | $1 | 2.25 |
| BB+ | Target | $1 | 1.00 | |
| BB+ | Target | $100,000 | 1.00 | |
| BB+ | Cheque | $10,000 | 0.05 | |
| BB+ | Access | $10,000 | 0.05 | |
| Wairarapa | BB+ | Call | $500 | 1.10 |
Credit Unions
| Institution | Credit Rating | Account type | Minimum deposit $ | Interest rate % |
|---|---|---|---|---|
| First CU | BB | Online savings | $1 | 0.75 |
| BB | Moneymaker | $5,000 | 0.75 | |
| NZCU Auckland | Success Saver | $1 | 2.25 | |
| Success Saver | $50,000 | 3.00 | ||
| Police CU | BBB- | Achiever Saver (Membership criteria apply) | $1 | 2.40 |
| BBB- | Transactional Account (Membership criteria apply) | $2,000 | 0.05 | |
| BBB- | Christmas Club (Membership criteria apply) | $1 | 2.30 | |
| Unity | BB | Online Saver | $1,000 | 2.15 |
| BB | Online Saver | $20,000 | 3.15 | |
| BB | Everyday Saver | $1 | 1.15 | |
| BB | Everyday Saver | $5,000 | 1.75 | |
| BB | Everyday Saver | $20,000 | 2.00 | |
| BB | Everyday Saver | $100,000 | 3.00 | |
| BB | Kids Saver | $1 | 0.75 | |
| BB | Christmas Saver | $1 | 0.50 |
Finance Companies
| Institution | Credit Rating | Account type | Minimum deposit $ | Interest rate % |
|---|---|---|---|---|
| Christian Savings | BB+ | Call | $1 | 2.25 |
| BB+ | Call | $20,000 | 2.50 | |
| BB+ | Call | $50,000 | 2.70 |