Apple Pay and Google Pay
Add your Flexi Debit Visa to Google Pay or Apple Pay, and start paying with your phone.
Our accounts
Open a YouMoney account for everyday spending or Rapid Save account for your savings. It’s easy to manage your accounts in Internet Banking or the BNZ app.
Everyday spending
YouMoney
A go-to transactional account for everyday things like groceries, bills, and entertainment.
- Unlimited withdrawals and transactions
- No monthly account fee, for up to 25 accounts
- Link to a Flexi Debit Visa and access your money anywhere, anytime
You can also get a YouMoney account for kids, or for students, graduates, and apprentices.
Save for your goals
Rapid Save
Designed for saving, earn interest on every dollar in your account, no matter what your balance.
- Earn % interest p.a.
- One free withdrawal per bank month, and $3 for each further withdrawal.
An account for BNZ home owners
TotalMoney
TotalMoney is designed to help you pay off your BNZ home loan faster by using the balances of your TotalMoney account to reduce the interest you pay. More about TotalMoney
A card for your accounts
Use your Flexi Debit Visa to pay for things online, in stores, or overseas. You can also use Apple Pay or Google Pay™, and manage your card in the BNZ app.
Turn on controls
Turn payWave on and off, block and unblock your card, turn off online spending and more - all with the tap of a button.
Fraud protection
Your card comes with leading security technology, so you know you’re protected from fraud.
Ways to open an account
You can open an account online by using RealMe®, or by taking a photo of yourself and your New Zealand passport or New Zealand driver licence. A third way to open an account is to start online and get verified at your nearest branch. You must be aged 13 or older and live in New Zealand.
If you can’t open an account online, you can call us on 0800 275 269.
Using RealMe
Opened online
It’s easy to join with a verified RealMe® account. Once you’ve finished you can start using your account straight away.
Taking photos
Opened online
You can apply online by taking a photo of yourself and your New Zealand passport or New Zealand driver licence. We’ll review and process them online.
Verifying in branch
Opened in branch
You can start this application online using a passport or New Zealand driver licence. Once approved, visit your nearest branch to verify your ID.
Internet Banking
Internet Banking comes with the tools and services you need to manage your money, including multiple payment options, digital statements, transaction searching, and easy account opening and closing.
Discover our mobile app
The BNZ app is packed with features to help you be good with money, like spend tracking, cashflow management, drag and drop payments, goal setting, and ways to customise your accounts.
Secure online banking
Internet Banking and the BNZ app both have encryption technology, automatic log-out, and two-step authentication, for your peace of mind.
Telephone banking
By using a touch-tone phone and your nine-digit customer access number, you can securely:
- get account balances and review account transactions
- transfer funds between your accounts
- pay people or companies
- set up automatic payments
- set up instance balance accounts.
Use our guide (PDF 106KB) to help you register for and use BNZ Telephone Banking. You can also print and use our short guide (PDF 268KB) to write down and keep information, such as your access number, account details, and payee details.
Visit a branch or Smart ATM
Pop in to a branch to talk to us in person, or skip the queue and use a 24/7 Smart ATM outside a branch to make cash, card or coin deposits, or withdraw cash.
Rates and fees
See the interest rates, fees, and transaction limits on our everyday and savings accounts.
Everyday banking help and support
If you have questions or need help call 0800 275 269.
- Internet Banking
- Mobile banking
- Make international payments
- Receive international payments
- ATM cash and cheque deposits
- View, save, or print online statements
- Set up notifications in Internet Banking
- How we protect you
- ID requirements for opening an account
- Rates and fees for accounts we no longer offer
- Open an account in Internet Banking
- Branch and ATM finder
Account opening and lending criteria, terms and fees apply. BNZ standard terms and conditions apply to all BNZ transaction and savings accounts. Use of the BNZ app and Internet Banking services are subject to the BNZ Internet Banking Terms and Conditions. Details of our fees can be found in our Fees Guide PDF 136KB. Rates and fees are subject to change.
Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.
A “bank month” is different to a calendar month. Each one ends on the second to last business day of a calendar month, and the next bank month starts the following calendar day.
Within each bank month the first withdrawal is free, and a $3 withdrawal fee applies to each withdrawal after that. A withdrawal includes transferring your money from your Rapid Save account to one of your other BNZ accounts. It does not include transferring money to a BNZ term deposit. If you ask us to change your account to a Rapid Save, this fee also applies to withdrawals on the day of switching, and any non-business days prior.