Call Accounts (all) Interest Rates
With this interest rates table, you can use the arrows to sort by various options such as interest rate, provider, amount and rating.
Rates changes from the past seven days will be highlighted in green or red.
View Cash PIE and Term PIE rates here
Provider
  |
RDGS |
Product
| Minimum Deposit
|
Maximum Deposit
|
Rate
|
Rating
|
|
ANZ
|
|
Advantage | - |
$4,999 |
- |
AA- |
|
ANZ
|
|
Serious Saver Account - base rate | - |
- |
0.10 |
AA- |
|
ANZ
|
|
Serious Saver Account - bonus rate | $1 |
- |
4.40 |
AA- |
|
ANZ
|
|
Online Call | $2,000 |
- |
3.00 |
AA- |
|
ANZ
|
|
Premier | $5,000 |
$49,999 |
1.00 |
AA- |
|
ANZ
|
|
Advantage | $5,000 |
$19,999 |
1.00 |
AA- |
|
ANZ
|
|
Advantage | $20,000 |
$49,999 |
1.00 |
AA- |
|
ANZ
|
|
Advantage | $50,000 |
$99,999 |
1.25 |
AA- |
|
ANZ
|
|
Premier | $50,000 |
$99,999 |
1.25 |
AA- |
|
ANZ
|
|
Advantage | $100,000 |
- |
2.75 |
AA- |
|
ANZ
|
|
Premier | $100,000 |
- |
2.75 |
AA- |
|
|
Unlimited | - |
$99,999 |
1.00 |
AA- |
|
|
|
FastSaver | $1 |
- |
3.15 |
AA- |
|
|
|
Unlimited | $100,000 |
- |
3.15 |
AA- |
|
BankDirect
|
|
Savings account | $1 |
- |
3.15 |
AA- |
|
BankDirect
|
|
High Interest Transaction | $5,000 |
$49,999 |
1.00 |
AA- |
|
BankDirect
|
|
High Interest Transaction | $50,000 |
$99,999 |
1.00 |
AA- |
|
BankDirect
|
|
High Interest Transaction | $100,000 |
- |
3.15 |
AA- |
|
BNZ
|
|
TotalMoney | - |
$99,999 |
1.50 |
AA- |
|
BNZ
|
|
Rapid Save - base rate | $1 |
- |
1.00 |
AA- |
|
|
Provider
|
RDGS |
Product
| Minimum Deposit
|
Maximum Deposit
|
Rate
|
Rating
|
|
BNZ
|
|
Rapid Save - potential rate | $1 |
- |
4.05 |
AA- |
|
BNZ
|
|
Rapid Save - bonus rate | $1 |
- |
3.05 |
AA- |
|
BNZ
|
|
Personal Call Account | $5,000 |
$19,999 |
0.50 |
AA- |
|
BNZ
|
|
Personal Call Account | $20,000 |
$99,999 |
0.85 |
AA- |
|
BNZ
|
|
Personal Call Account | $100,000 |
$249,999 |
1.35 |
AA- |
|
BNZ
|
|
TotalMoney | $100,000 |
- |
3.00 |
AA- |
|
BNZ
|
|
Personal Call Account | $250,000 |
$499,999 |
2.10 |
AA- |
|
BNZ
|
|
Personal Call Account | $500,000 |
- |
2.35 |
AA- |
|
CBS Canterbury
|
✓ |
CBS Everyday Ultimate | $1 |
$1,999 |
0.50 |
BBB- |
|
CBS Canterbury
|
✓ |
CBS Everyday Kids' Cash | $1 |
- |
3.50 |
BBB- |
|
CBS Canterbury
|
✓ |
CBS Everyday @ Max | $1 |
- |
3.50 |
BBB- |
|
CBS Canterbury
|
✓ |
CBS Optimum Club | $1 |
$4,999 |
3.50 |
BBB- |
|
CBS Canterbury
|
✓ |
CBS Everyday Ultimate | $2,000 |
$9,999 |
1.50 |
BBB- |
|
CBS Canterbury
|
✓ |
Special Purpose plus Bonus | $5,000 |
- |
3.00 |
BBB- |
|
CBS Canterbury
|
✓ |
CBS Optimum Club | $5,000 |
- |
4.00 |
BBB- |
|
CBS Canterbury
|
|
CBS Living Style Savings Plan | $5,000 |
- |
4.50 |
BBB- |
|
CBS Canterbury
|
✓ |
CBS Everyday Ultimate | $10,000 |
$49,999 |
2.50 |
BBB- |
|
CBS Canterbury
|
✓ |
CBS Everyday Ultimate | $50,000 |
$99,999 |
3.00 |
BBB- |
|
CBS Canterbury
|
✓ |
CBS Everyday Ultimate | $100,000 |
$249,999 |
3.20 |
BBB- |
|
CBS Canterbury
|
✓ |
CBS Everyday Ultimate | $250,000 |
- |
3.25 |
BBB- |
|
|
Provider
|
RDGS |
Product
| Minimum Deposit
|
Maximum Deposit
|
Rate
|
Rating
|
|
CRAIGS Investment Partners
|
|
NZD On-Call | $500 |
$19,999 |
2.20 |
NR |
|
CRAIGS Investment Partners
|
|
NZD On-Call | $20,000 |
$99,999 |
2.25 |
NR |
|
CRAIGS Investment Partners
|
|
NZD On-Call | $100,000 |
$249,999 |
2.75 |
NR |
|
CRAIGS Investment Partners
|
|
NZD On-Call | $250,000 |
- |
3.00 |
NR |
|
Credit Union Auckland
|
|
Success Saver | $500 |
$4,999 |
3.00 |
NR |
|
Credit Union Auckland
|
|
Success Saver | $5,000 |
- |
4.00 |
NR |
|
Credit Union Baywide
|
|
Success Saver | - |
$4,999 |
1.50 |
BB |
|
Credit Union Baywide
|
|
Success Saver | $5,000 |
$19,999 |
1.50 |
BB |
|
Credit Union Baywide
|
|
Success Saver | $20,000 |
$99,999 |
2.50 |
BB |
|
Credit Union Baywide
|
|
Success Saver | $100,000 |
- |
3.60 |
BB |
|
Credit Union North
|
|
Success Saver | $1 |
$4,999 |
3.00 |
BB |
|
Credit Union North
|
|
Success Saver | $5,000 |
- |
3.50 |
BB |
|
First Credit Union
|
|
MoneyMaker | - |
$999 |
2.00 |
BB |
|
First Credit Union
|
|
Online Savings | $1 |
- |
4.00 |
BB |
|
First Credit Union
|
|
MoneyMaker | $1,000 |
$4,999 |
2.75 |
BB |
|
First Credit Union
|
|
MoneyMaker | $5,000 |
- |
3.75 |
BB |
|
Fisher & Paykel Finance
|
|
Call account | $500 |
- |
4.25 |
BB |
|
Forsyth Barr
|
|
Cash Management Fund | $3,000 |
$19,999 |
2.00 |
AAm |
|
Forsyth Barr
|
|
Cash Management Fund | $20,000 |
$49,999 |
2.50 |
AAm |
|
Forsyth Barr
|
|
Cash Management Fund | $50,000 |
$249,999 |
3.00 |
AAm |
|
|
Provider
|
RDGS |
Product
| Minimum Deposit
|
Maximum Deposit
|
Rate
|
Rating
|
|
Forsyth Barr
|
|
Cash Management Fund | $250,000 |
- |
3.25 |
AAm |
|
Gold Band Finance
|
|
On Call | $500 |
$4,999 |
2.00 |
NR |
|
Gold Band Finance
|
|
On Call | $5,000 |
- |
2.00 |
NR |
|
HBS Bank
|
|
i-save | $1 |
- |
3.20 |
|
|
HBS Bank
|
|
Prospector Call | $1,000 |
$4,999 |
0.75 |
|
|
HBS Bank
|
|
Prospector Call | $5,000 |
$9,999 |
2.05 |
|
|
HBS Bank
|
|
Prospector Call | $10,000 |
$99,999 |
2.35 |
|
|
HBS Bank
|
|
Prospector Call | $100,000 |
$249,999 |
2.65 |
|
|
HBS Bank
|
|
Prospector Call | $250,000 |
- |
3.20 |
|
|
Heartland Building Society
|
|
Heartland Call Deposit | $1,000 |
$49,999 |
3.25 |
BBB- |
|
Heartland Building Society
|
|
Heartland Call Deposit | $50,000 |
$250,000 |
3.75 |
BBB- |
|
Heretaunga Building Society
|
|
On Call | - |
$49,999 |
3.00 |
NR |
|
Heretaunga Building Society
|
|
On Call | $50,000 |
$99,999 |
3.00 |
NR |
|
Heretaunga Building Society
|
|
On Call | $100,000 |
- |
3.50 |
NR |
|
HSBC Premier
|
|
Multi currency account | - |
$9,999 |
- |
AA- |
|
HSBC Premier
|
|
Online Savings Account | $1 |
$14,999 |
0.40 |
AA- |
|
HSBC Premier
|
|
Multi currency account | $10,000 |
$19,999 |
- |
AA- |
|
HSBC Premier
|
|
Online Savings Account | $15,000 |
- |
2.20 |
AA- |
|
HSBC Premier
|
|
Multi currency account | $20,000 |
- |
1.00 |
AA- |
|
Kiwibank
|
|
Bill Blaster | - |
$99 |
- |
AA- |
|
|
Provider
|
RDGS |
Product
| Minimum Deposit
|
Maximum Deposit
|
Rate
|
Rating
|
|
Kiwibank
|
|
Front Runner | - |
$3,999 |
- |
AA- |
|
Kiwibank
|
|
Back-up Saver | - |
- |
1.00 |
AA- |
|
Kiwibank
|
|
Fast Forward Saver | - |
$999 |
1.25 |
AA- |
|
Kiwibank
|
|
First Saver | - |
- |
2.50 |
AA- |
|
Kiwibank
|
|
Bill Blaster | $100 |
- |
0.50 |
AA- |
|
Kiwibank
|
|
Fast Forward Saver | $1,000 |
$2,999 |
1.50 |
AA- |
|
Kiwibank
|
|
PIE Online Call bonus rate - no withdrawals | $2,000 |
- |
3.15 |
AA- |
|
Kiwibank
|
|
PIE Online Call base rate | $2,000 |
- |
2.40 |
AA- |
|
Kiwibank
|
|
Fast Forward Saver | $3,000 |
$3,999 |
1.50 |
AA- |
|
Kiwibank
|
|
Front Runner | $4,000 |
$14,999 |
1.50 |
AA- |
|
Kiwibank
|
|
Fast Forward Saver | $4,000 |
- |
2.00 |
AA- |
|
Kiwibank
|
|
Front Runner | $15,000 |
$49,999 |
1.50 |
AA- |
|
Kiwibank
|
|
Front Runner | $50,000 |
$99,999 |
2.25 |
AA- |
|
Kiwibank
|
|
Front Runner | $100,000 |
- |
3.15 |
AA- |
|
Manchester Unity Credit Union
|
|
Savings Account | $1 |
$2,999 |
1.00 |
B+/B |
|
Manchester Unity Credit Union
|
|
Savings Account | $3,000 |
$19,999 |
2.25 |
B+/B |
|
Manchester Unity Credit Union
|
|
Savings Account | $20,000 |
$250,000 |
3.05 |
B+/B |
|
|
Marac Call Deposit | $1,000 |
$49,999 |
3.25 |
BBB- |
|
|
|
MaracCall Deposit | $50,000 |
- |
3.75 |
BBB- |
|
Napier Building Society
|
|
On Call | $1 |
- |
2.50 |
NR |
|
|
Provider
|
RDGS |
Product
| Minimum Deposit
|
Maximum Deposit
|
Rate
|
Rating
|
|
National Bank
|
|
Select | - |
$4,999 |
- |
AA- |
|
National Bank
|
|
eSaver - Standard | - |
- |
0.10 |
AA- |
|
National Bank
|
|
eSaver - Premium (no withdrawals) | - |
- |
4.40▲ |
AA- |
|
National Bank
|
|
Ready Saver | - |
$4,999 |
1.00 |
AA- |
|
National Bank
|
|
Online account | - |
$4,999 |
3.00 |
AA- |
|
National Bank
|
|
Select | $5,000 |
$49,999 |
1.00 |
AA- |
|
National Bank
|
|
Ready Saver | $5,000 |
- |
1.50 |
AA- |
|
National Bank
|
|
Online account | $5,000 |
$99,999 |
3.00 |
AA- |
|
National Bank
|
|
Select | $50,000 |
$99,999 |
1.25 |
AA- |
|
National Bank
|
|
Select | $100,000 |
- |
2.75 |
AA- |
|
National Bank
|
|
Online account | $100,000 |
$249,999 |
3.00 |
AA- |
|
National Bank
|
|
Online account | $250,000 |
- |
3.00 |
AA- |
|
Nelson Building Society
|
|
Lifestyle On-Call Account | $1 |
- |
3.20 |
|
|
NZ Guardian Trust
|
|
Guardian Cash Fund | $1,000 |
- |
2.80 |
NR |
|
Perpetual Trust
|
|
Cash Management Fund | $100 |
- |
1.30 |
NR |
|
PGG Wrightson Finance
|
✓ |
Rural Saver | $1 |
- |
3.85 |
BBB- |
|
PGG Wrightson Finance
|
✓ |
Savings Optimiser | $2,000 |
- |
4.85 |
BBB- |
|
Prometheus
|
|
Call Account | $500 |
- |
2.00 |
|
|
|
RaboPlus Savings Account | - |
- |
3.40 |
AA |
|
SBS Bank
|
|
i-save | - |
- |
3.20 |
BBB |
|
|
Provider
|
RDGS |
Product
| Minimum Deposit
|
Maximum Deposit
|
Rate
|
Rating
|
|
SBS Bank
|
|
Prospector | $1,000 |
$4,999 |
0.75 |
BBB |
|
SBS Bank
|
|
Prospector | $5,000 |
$9,999 |
2.05 |
BBB |
|
SBS Bank
|
|
Prospector | $10,000 |
$99,999 |
2.35 |
BBB |
|
SBS Bank
|
|
Prospector | $100,000 |
$249,999 |
2.65 |
BBB |
|
SBS Bank
|
|
Prospector | $250,000 |
- |
3.20 |
BBB |
|
Southern Cross
|
|
Netsaver | $1 |
- |
3.25 |
BBB- |
|
Southern Cross
|
|
Current Account Saver | $1 |
$999 |
0.75 |
BBB- |
|
Southern Cross
|
|
Current Account Saver | $1,000 |
$4,999 |
1.50 |
BBB- |
|
Southern Cross
|
|
Current Account Saver | $5,000 |
$9,999 |
2.50 |
BBB- |
|
Southern Cross
|
|
Current Account Saver | $10,000 |
$249,999 |
2.75 |
BBB- |
|
The Co-operative Bank
|
|
Online Account | $1 |
- |
3.25 |
BBB- |
|
The Co-operative Bank
|
|
Smile On | $5,000 |
$14,999 |
1.25 |
BBB- |
|
The Co-operative Bank
|
|
Smile On | $15,000 |
$49,999 |
1.50 |
BBB- |
|
The Co-operative Bank
|
|
Smile On | $50,000 |
$99,999 |
2.00 |
BBB- |
|
The Co-operative Bank
|
|
Smile On | $100,000 |
- |
3.15 |
BBB- |
|
|
Horizon Plan | $1 |
- |
3.00 |
BBB+ |
|
|
|
WebSaver | $1,000 |
- |
3.25 |
BBB+ |
|
|
|
Premier Cheque | $5,000 |
$19,999 |
3.00 |
BBB+ |
|
|
|
Premier Cheque | $20,000 |
$34,999 |
3.10 |
BBB+ |
|
|
|
Premier Cheque | $35,000 |
$49,999 |
3.35 |
BBB+ |
|
|
Provider
|
RDGS |
Product
| Minimum Deposit
|
Maximum Deposit
|
Rate
|
Rating
|
|
|
|
Premier Cheque | $50,000 |
$99,999 |
3.45 |
BBB+ |
|
|
|
Premier Cheque | $100,000 |
- |
4.00 |
BBB+ |
|
|
Telephone Call Account | $5,000 |
$19,999 |
3.00 |
AA |
|
|
|
Telephone Call Account | $20,000 |
$99,999 |
3.00 |
AA |
|
|
|
Telephone Call Account | $100,000 |
- |
3.25 |
AA |
|
|
Online Saver | - |
$100,000 |
3.00 |
AA- |
|
|
|
Earner Account | - |
$4,999 |
- |
AA- |
|
|
|
Simple Saver | $1 |
- |
2.00 |
AA- |
|
|
|
Earner Account | $5,000 |
$19,999 |
0.75 |
AA- |
|
|
|
Cash Management Account | $20,000 |
$49,999 |
0.25 |
AA- |
|
|
|
Earner Account | $20,000 |
$49,999 |
0.75 |
AA- |
|
|
|
Cash Management Account | $50,000 |
$99,999 |
0.25 |
AA- |
|
|
|
Earner Account | $50,000 |
$99,999 |
1.75 |
AA- |
|
|
|
Cash Management Account | $100,000 |
- |
0.25 |
AA- |
|
|
|
Earner Account | $100,000 |
- |
2.50 |
AA- |
|
|
|
Online Saver | $100,000 |
$499,999 |
3.00 |
AA- |
|
|
|
Online Saver | $500,000 |
- |
3.00 |
AA- |
About Online Savings Accounts
Online savings accounts are a relatively new product for savers. You can find out more about their history here.
The banks who offer them are competitive, however there are some differences in products. The main differences are that Westapc and ANZ have tiered accounts offering different rates for varying amounts. Kiwibank has a unique approach in that it offers an additional 0.25% interest each month of there are no withdrawals.
RDGS = Approved institutions that are participating in the Crown Retail Deposit Guarantee Scheme.
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