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Länder / 🇳🇿 New Zealand

Beste term deposit-Zinsen in New Zealand

NZD term deposit-Zinsen von 7 Anbietern, täglich direkt von den Websites der Banken gelesen, plus 0 weitere Anbieter zum Prüfen. Sortiert nach Zins; keine bezahlten Rankings.

Zuletzt geprüft 18 Oct 2026, 03:42 UTC · alle 7 Anbieter

Bester 3-Monats‑Zinssatz

3.20% p.a.

Rabobank New Zealand

Board-Rate · mind. NZ$1,000

Bester 6-Monats‑Zinssatz

3.70% p.a.

Rabobank New Zealand

Board-Rate · mind. NZ$1,000

Bester 12-Monats‑Zinssatz

4.15% p.a.

Rabobank New Zealand

Board-Rate · mind. NZ$1,000

Bester Zinssatz für eine Einzahlung von NZ$10,000, offen für alle Kunden. Aktionen können vorzeitig enden; prüfen Sie dies bei der Bank.

Vergleichen Sie term deposit-Zinsen

6 Banken mit einem 12‑Monats‑Zinssatz für NZ$10,000

Bank	Zinssatz p.a.	Laufzeit	Einlage	Details	Link
Rabobank New ZealandTerm Deposit	4.15%≈ NZ$415 in 12 months	12 Monate	NZ$1,000 +	Board-Rate Personal accounts (individual, joint, children); Interest at maturity (up to 18 months) or annually (2-5 years)	Zur Bank
Bank of New Zealand (BNZ)Term Deposit	4.05%≈ NZ$405 in 12 months	12 Monate	NZ$2,000 – NZ$5,000,000	Board-Rate $2,000 - $5 million (from the page's headline rate cards)	Zur Bank
Heartland BankTerm Deposit	4.05%≈ NZ$405 in 12 months	12 Monate	Nicht angegeben	Board-Rate Minimum deposit not stated on the rates page; Interest on maturity (up to 3 months) or 3-monthly	Zur Bank
KiwibankTerm Deposit	4.05%≈ NZ$405 in 12 months	12 Monate	NZ$1,000 – NZ$5,000,000	Board-Rate Minimum balance $1,000 ($5,000 for 30 and 60 days); Up to $5 million	Zur Bank
ANZ Bank New ZealandTerm Deposit	4.00%≈ NZ$400 in 12 months	12 Monate	NZ$10,000 +	Board-Rate For amounts of $10,000 or more	Zur Bank
ASB BankTerm Deposit	4.00%≈ NZ$400 in 12 months	12 Monate	NZ$5,000 +	Board-Rate Minimum investment $5,000; Not available to financial institutions or where total ASB term investments exceed $10 million	Zur Bank

"Frische Mittel" bedeutet Geld, das von einer anderen Bank eingebracht wird. Board‑Zinssätze sind feste Zinssätze; Aktionen sind zeitlich befristet. Wie wir Zinssätze sammeln und prüfen.

How is this list ordered?

By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.

Plan your deposit

Best rate by term

Best rate open to any customer for NZ$10,000 at each term, from today's verified offers. Hover a point for the bank.

Erhalte eine E‑Mail, wenn die Zinsen steigen

Doppeltes Opt-in: Bestätige zuerst per E‑Mail. Eine E‑Mail, wenn der beste Zinssatz für deine Laufzeit und deinen Betrag steigt. Mit einem Klick abmelden.

Offizielle Benchmarks

RBNZ official cash rate (OCR) 02 Sep 20262.75%

Quelle: rbnz.govt.nz. Als Referenzpunkt angezeigt, nicht als Empfehlung.

Einlagensicherung: Depositor Compensation Scheme (DCS)

LimitNZ$100,000

In force since 1 July 2025: if a New Zealand licensed deposit taker fails, the DCS compensates depositors up to $100,000 per depositor, per deposit taker, for money held in DCS-covered accounts. Quelle, geprüft 2026-10-18.

Where does your money earn most in New Zealand?

Best 12-month term deposit (Rabobank New Zealand)4.15%

RBNZ official cash rate (OCR)2.75%

Best 12-month deposit and best savings rate open to any customer, next to the official benchmark. Savings rates are variable and often conditional.

Questions about deposits in New Zealand

What is the best 12-month term deposit rate in New Zealand today?

4.15% p.a. at Rabobank New Zealand (minimum deposit: NZ$1,000), read from the bank's website at 18 Oct 2026, 03:42 UTC. Promotions change often, so confirm with the bank before you deposit.

What is the best 6-month term deposit rate in New Zealand today?

3.70% p.a. at Rabobank New Zealand (minimum deposit: NZ$1,000), read from the bank's website at 18 Oct 2026, 03:42 UTC. Promotions change often, so confirm with the bank before you deposit.

Are term deposits in New Zealand protected?

In force since 1 July 2025: if a New Zealand licensed deposit taker fails, the DCS compensates depositors up to $100,000 per depositor, per deposit taker, for money held in DCS-covered accounts.

How many banks do you compare in New Zealand?

We list 7 providers. Rates for 7 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.

How do term deposit rates compare with the RBNZ official cash rate (OCR)?

The RBNZ official cash rate (OCR) is 2.75% (02 Sep 2026). The best 12-month term deposit rate open to any customer today is 4.15%.

Deposit rates in nearby countries

🇦🇺 Australia

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