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Best savings account rates in New Zealand

The "up to" figure is the bank's own advertised maximum; the base rate is what you earn with no conditions met. Read daily from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

Bank	Max rate p.a.	Base rate	What the top rate needs	Link
Rabobank New ZealandPremiumSaver	up to 2.65%	1.00%	Premium rate on balances up to $100,000 when the balance grows by at least $50 in the month; otherwise the base rate.	Zur Bank
Heartland BankDigital Saver	up to 2.40%	–	Standard variable rate, interest paid monthly.	Zur Bank

Bonus rates usually apply only to part of your balance and only in months you meet every condition. Read the bank's terms before moving money.