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Bank of New Zealand

Term Deposit

Term Deposit • Personal • Last updated 21 May 2026 • Visit website
Deposit Range: $2,000 - $5,000,000
Term Rate
3 Months 2.85% p.a.
6 Months 3.45% p.a.
1 Year 3.90% p.a.
2 Years 4.20% p.a.
3 Years 4.50% p.a.
4 Years 4.70% p.a.
5 Years 4.90% p.a.
Interest Paid: Monthly
Deposit Range: $2,000 - $5,000,000
Term Rate
1 Month 1.70% p.a.
3 Months 2.85% p.a.
6 Months 3.45% p.a.
1 Year 3.90% p.a.
2 Years 4.20% p.a.
3 Years 4.50% p.a.
4 Years 4.70% p.a.
5 Years 4.90% p.a.
Interest Paid: At Maturity

Term PIE

Term Deposit • Personal • Last updated 21 May 2026 • Visit website
Deposit Range: $2,000 - $10,000,000
Term Rate
1 Month 1.70% p.a.
3 Months 2.85% p.a.
6 Months 3.45% p.a.
1 Year 3.90% p.a.
2 Years 4.20% p.a.
3 Years 4.50% p.a.
4 Years 4.70% p.a.
5 Years 4.90% p.a.
Interest Paid: At Maturity

Business First OnCall

Savings Account • Business • Last updated 22 June 2026 • Visit website
Balance Range: $1+
Base Rate Bonus Rate Total Rate
1.60% p.a. - 1.60% p.a.

Rapid Save

Savings Account • Personal • Last updated 31 January 2026 • Visit website
Balance Range: $1 - $5,000,000
Base Rate Bonus Rate Total Rate
1.70% p.a. - 1.70% p.a.
Interest Calculated: Daily
Interest Paid: Monthly
Conditions: One free withdrawal per bank month; subsequent withdrawals cost $3 each. Transfers to BNZ term deposits or Term PIEs are not classified as withdrawals.

BNZ Balanced Fund

Kiwisaver • Personal • Last updated 1 June 2026 • Visit website
Sub Type Balanced
Report Date 2026-03-31
Total Assets $967,500,000
Total Cost Ratio 0.45%
Growth Assets 60.00%
Sustainability Rating Below 4 globe
Default Option No
Replicated Option No
Period Return
3 months -3.2%
1 year 8.7%
3 years 9.2%
5 years 4.9%
10 years 6.8%

BNZ Cash Fund

Kiwisaver • Personal • Last updated 1 June 2026 • Visit website
Sub Type Cash
Report Date 2026-03-31
Total Assets $364,600,000
Total Cost Ratio 0.30%
Growth Assets N/A
Sustainability Rating Below 4 globe
Default Option No
Replicated Option No
Period Return
3 months 0.6%
1 year 3.2%
3 years 4.7%
5 years 3.5%
10 years 2.7%

BNZ Consrv

Kiwisaver • Personal • Last updated 1 June 2026 • Visit website
Sub Type Conservative
Report Date 2026-03-31
Total Assets $917,300,000
Total Cost Ratio 0.45%
Growth Assets 20.00%
Sustainability Rating 4 or 5 globe
Default Option No
Replicated Option No
Period Return
3 months -1.4%
1 year 4.5%
3 years 5.7%
5 years 2.5%
10 years 3.6%

BNZ Default

Kiwisaver • Personal • Last updated 1 June 2026 • Visit website
Sub Type Balanced
Report Date 2026-03-31
Total Assets $844,500,000
Total Cost Ratio 0.35%
Growth Assets 60.00%
Sustainability Rating Below 4 globe
Default Option Yes
Replicated Option No
Period Return
3 months -2.9%
1 year 9.4%
3 years 9.5%
5 years N/A
10 years N/A

BNZ First Home Buyer Fund

Kiwisaver • Personal • Last updated 1 June 2026 • Visit website
Sub Type Conservative
Report Date 2026-03-31
Total Assets $383,700,000
Total Cost Ratio 0.45%
Growth Assets 15.00%
Sustainability Rating Below 4 globe
Default Option No
Replicated Option No
Period Return
3 months -0.7%
1 year 4.2%
3 years 5.6%
5 years 3.3%
10 years 3.6%

BNZ Growth Fund

Kiwisaver • Personal • Last updated 1 June 2026 • Visit website
Sub Type Growth
Report Date 2026-03-31
Total Assets $1,999,400,000
Total Cost Ratio 0.45%
Growth Assets 81.00%
Sustainability Rating 4 or 5 globe
Default Option No
Replicated Option No
Period Return
3 months -4.1%
1 year 10.7%
3 years 10.9%
5 years 6.2%
10 years 8.5%

BNZ High Growth Fund

Kiwisaver • Personal • Last updated 1 June 2026 • Visit website
Sub Type Aggressive
Report Date 2026-03-31
Total Assets $477,800,000
Total Cost Ratio 0.45%
Growth Assets 100.00%
Sustainability Rating 4 or 5 globe
Default Option No
Replicated Option No
Period Return
3 months -4.7%
1 year 12.5%
3 years N/A
5 years N/A
10 years N/A

BNZ Moderate Fund

Kiwisaver • Personal • Last updated 1 June 2026 • Visit website
Sub Type Moderate
Report Date 2026-03-31
Total Assets $842,500,000
Total Cost Ratio 0.45%
Growth Assets 40.00%
Sustainability Rating Below 4 globe
Default Option No
Replicated Option No
Period Return
3 months -2.3%
1 year 6.7%
3 years 7.6%
5 years 3.8%
10 years 5.3%

Home Loan

Home Loan • Personal • Last updated 21 May 2026 • Visit website
Term Rate
Floating 5.84% p.a.
6 Months 4.49% p.a.
1 Year 4.65% p.a.
2 Years 5.19% p.a.
3 Years 5.39% p.a.
4 Years 5.59% p.a.
5 Years 5.79% p.a.

Mortgage One

Home Loan • Personal • Last updated 22 May 2026 • Visit website
Term Rate
Floating 5.94% p.a.

Rapid Repay

Home Loan • Personal • Last updated 22 May 2026 • Visit website
Term Rate
Floating 5.94% p.a.

TotalMoney

Home Loan • Personal • Last updated 2 April 2026 • Visit website
Term Rate
Floating 5.94% p.a.

Better Future Home Loan

Home Loan • Personal • Last updated 2 April 2026 • Visit website
Top-up for qualifying energy efficiency improvements
Term Rate
3 Years 1.00% p.a.

Advantage Classic Visa

Credit Card • Personal • Last updated 29 March 2026 • Visit website
Network Visa
Purchase Rate 20.95% p.a.
Interest-Free Days 44
Annual Fee $40
Rewards True Rewards - 1 BNZ Point for every $1 spent

Advantage Visa Platinum

Credit Card • Personal • Last updated 29 March 2026 • Visit website
Network Visa
Purchase Rate 18.95% p.a.
Interest-Free Days 44
Annual Fee $90
Rewards Other - 1.67 BNZ Points per $1 spent

Lite Visa

Credit Card • Personal • Last updated 24 December 2025 • Visit website
Network Visa
Purchase Rate 13.50% p.a.
Interest-Free Days 55
Annual Fee $10