Kiwibank

Kiwibank, a brainchild of politician Jim Anderton, was established in 2002 with a mission to keep profits in the country instead of sending them offshore. By 2030, Kiwibank aims to help two million New Zealanders secure their financial future. Its parent company, Kiwi Group Capital Limited (KGC), is owned by the government and also includes Kiwibank and New Zealand Home Loans.

Products on offer


Product Rate Monthly Payment Total Payment Amount
Kiwibank 2 year fixed special 6.89% $1,644.83 $592,138.26 Go to site
Kiwibank 2 year fixed 7.89% $1,815.28 $653,499.74 Go to site
Kiwibank 3 year fixed special 6.75% $1,621.50 $583,738.29 Go to site
Kiwibank 3 year fixed 7.65% $1,773.79 $638,562.89 Go to site
Kiwibank 4 year fixed special 6.69% $1,611.54 $580,153.32 Go to site
Kiwibank 4 year fixed 7.59% $1,763.47 $634,848.82 Go to site
Kiwibank 5 year fixed special 6.59% $1,595.00 $574,198.61 Go to site
Kiwibank 5 year fixed 7.49% $1,746.32 $628,676.90 Go to site
Kiwibank 6 Month Fixed special 7.39% $1,729.24 $622,527.97 Go to site
Kiwibank 6 month fixed 8.39% $1,902.83 $685,018.19 Go to site
Kiwibank Offset mortgage 8.5% $1,922.28 $692,022.14 Go to site
Kiwibank Variable 8.5% $1,922.28 $692,022.14 Go to site
Kiwibank Revolving credit 8.55% $1,931.15 $695,213.84 Go to site
Kiwibank 1 year fixed special 7.35% $1,722.43 $620,074.90 Go to site
Kiwibank 1 year fixed 8.35% $1,895.77 $682,477.42 Go to site

Product Interest Rate Purchases Balance Transfer Annual Account Fee Interest Free Days
Kiwibank Zero Visa 12.90%% 1.99% p.a. for 6 months $0 Up to 55 days Go to site
Kiwibank Air New Zealand Airpoints Low Fee Visa 16.90%% 1.99% p.a. for 6 months $25 every 6mos Up to 44 days Go to site
Kiwibank Air New Zealand Airpoints Platinum Visa 20.95%% 1.99% p.a. for 6 months $90 every 6mos Up to 44 days Go to site

Product Car Insurance Type Legal Liability Damaged by Uninsured Vehicle
Third Party, Fire and Theft Third party, Fire, Theft Up to $20,000,000 Up to $4,000 Go to site
Third Party Third party Up to $20,000,000 Up to $4,000 Go to site
Comprehensive Comprehensive Up to $20,000,000 Go to site

Product Interest Rate Purchases Balance Transfer Annual Account Fee Interest Free Days
Kiwibank Business Low Rate Visa 12.50%% $6.25 Quarterly Up to 55 days Go to site

Product Interest Rate Establishment Fee Monthly Overdraft Fee
Business Overdraft 13.10%% Min. of $75.00 0.10% (min $5) Go to site

Product Minimum Deposit Amount Maximum Deposit Amount Rate
Online Call

-

-

4.5% Go to site
Free Up account

-

-

0% Go to site
Notice Saver – 32 Days

-

-

4.8% Go to site

Product Rate Minimum Deposit Maximum Deposit
9 months 6%

$5,000.00

$9,999.00

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3 years 5.35%

$50,000.00

-

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90 days 4.2%

$10,000.00

$49,999.00

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5 years 5.35%

$10,000.00

$49,999.00

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9 months 6.1%

$10,000.00

$49,999.00

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100 days 0.25%

$1,000.00

$4,999.00

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100 days 4.2%

$10,000.00

$49,999.00

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6 months 5.95%

$5,000.00

$9,999.00

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9 months 6.1%

$50,000.00

-

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100 days 4.1%

$5,000.00

$9,999.00

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90 days 4.1%

$5,000.00

$9,999.00

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200 days 0.5%

$1,000.00

$4,999.00

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100 days 4.2%

$50,000.00

-

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3 years 5.35%

$10,000.00

$49,999.00

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6 months 0.5%

$1,000.00

$4,999.00

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90 days 4.2%

$50,000.00

-

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90 days 0.25%

$1,000.00

$4,999.00

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200 days 5.95%

$5,000.00

$9,999.00

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2 years 0.5%

$1,000.00

$4,999.00

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3 years 5.25%

$5,000.00

$9,999.00

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200 days 6.05%

$50,000.00

-

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2 years 5.6%

$5,000.00

$9,999.00

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3 years 0.5%

$1,000.00

$4,999.00

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6 months 6.05%

$50,000.00

-

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2 years 5.7%

$50,000.00

-

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120 days 4.4%

$10,000.00

$49,999.00

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5 years 5.25%

$5,000.00

$9,999.00

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60 days 2.75%

$5,000.00

$9,999.00

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120 days 0.25%

$1,000.00

$4,999.00

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5 years 5.35%

$50,000.00

-

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60 days 2.85%

$10,000.00

$49,999.00

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4 years 5.25%

$5,000.00

$9,999.00

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150 days 4.6%

$5,000.00

$9,999.00

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1 year 0.5%

$1,000.00

$4,999.00

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150 days 4.7%

$10,000.00

$49,999.00

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150 days 4.7%

$50,000.00

-

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1 year 6.05%

$5,000.00

$9,999.00

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4 years 5.35%

$50,000.00

-

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30 days 2.4%

$5,000.00

$9,999.00

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4 years 0.5%

$1,000.00

$4,999.00

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1 year 6.15%

$10,000.00

$49,999.00

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150 days 0.25%

$1,000.00

$4,999.00

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30 days 2.5%

$10,000.00

$49,999.00

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4 years 5.35%

$10,000.00

$49,999.00

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1 year 6.15%

$50,000.00

-

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5 years 0.5%

$1,000.00

$4,999.00

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30 days 2.5%

$50,000.00

-

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120 days 4.3%

$5,000.00

$9,999.00

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60 days 2.85%

$50,000.00

-

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6 months 6.05%

$10,000.00

$49,999.00

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9 months 0.5%

$1,000.00

$4,999.00

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120 days 4.4%

$50,000.00

-

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2 years 5.7%

$10,000.00

$49,999.00

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200 days 6.05%

$10,000.00

$49,999.00

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