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Países / 🇳🇿 Nueva Zelanda

Mejores tasas de term deposit en Nueva Zelanda

Tasas de NZD term deposit de 7 proveedores, leídas directamente del sitio web de cada banco cada día, más 0 proveedores adicionales para revisar. Ordenadas por tasa; sin rankings pagados.

Última verificación 18 Oct 2026, 05:37 UTC · todos los 7 proveedores · savings account

Mejor tasa a 3 meses

3.20% p.a.

Rabobank New Zealand

Tipo de referencia · mín NZ$1,000

Mejor tasa a 6 meses

3.70% p.a.

Rabobank New Zealand

Tipo de referencia · mín NZ$1,000

Mejor tasa a 12 meses

4.15% p.a.

Rabobank New Zealand

Tipo de referencia · mín NZ$1,000

Mejor tasa para un depósito de NZ$10,000, abierto a cualquier cliente. Las promociones pueden terminar antes; confirma con el banco.

Compara tasas de term deposit

7 bancos con una tasa a 12 meses para NZ$10,000

Banco	Tasa p.a.	Plazo	Depósito	Detalles	Enlace
Rabobank New ZealandTerm Deposit	4.15%≈ NZ$415 en 12 meses	12 meses	NZ$1,000 +	Tipo de referencia Personal accounts (individual, joint, children); Interest at maturity (up to 18 months) or annually (2-5 years)	Ir al banco
Bank of New Zealand (BNZ)Term Deposit	4.05%≈ NZ$405 en 12 meses	12 meses	NZ$2,000 – NZ$5,000,000	Tipo de referencia $2,000 - $5 million (from the page's headline rate cards)	Ir al banco
Heartland BankTerm Deposit	4.05%≈ NZ$405 en 12 meses	12 meses	No especificado	Tipo de referencia Minimum deposit not stated on the rates page; Interest on maturity (up to 3 months) or 3-monthly	Ir al banco
KiwibankTerm Deposit	4.05%≈ NZ$405 en 12 meses	12 meses	NZ$1,000 – NZ$5,000,000	Tipo de referencia Minimum balance $1,000 ($5,000 for 30 and 60 days); Up to $5 million	Ir al banco
ANZ Bank New ZealandTerm Deposit	4.00%≈ NZ$400 en 12 meses	12 meses	NZ$10,000 +	Tipo de referencia For amounts of $10,000 or more	Ir al banco
ASB BankTerm Deposit	4.00%≈ NZ$400 en 12 meses	12 meses	NZ$5,000 +	Tipo de referencia Minimum investment $5,000; Not available to financial institutions or where total ASB term investments exceed $10 million	Ir al banco
Westpac New ZealandTerm Deposit	4.00%≈ NZ$400 en 12 meses	12 meses	NZ$5,000 – NZ$5,000,000	Tipo de referencia $5,000 - $5,000,000; Rates for customers holding up to $5,000,000 in total deposits	Ir al banco

"Fresh funds" significa dinero transferido desde otro banco. Las tasas de tabla son tasas permanentes; las promociones son por tiempo limitado. Cómo recopilamos y verificamos las tasas.

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.

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Doble confirmación: confirma primero por correo. Un correo cuando la mejor tasa para tu plazo y cantidad suba. Cancelar suscripción con un clic.

Puntos de referencia oficiales

RBNZ official cash rate (OCR) 02 Sep 20262.75%

Fuente: rbnz.govt.nz. Se muestra como punto de referencia, no como recomendación.

Protección de depósitos: Depositor Compensation Scheme (DCS)

LímiteNZ$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. Fuente, verificado 2026-10-18.

Where does your money earn most in Nueva Zelanda?

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

Best savings account (Rabobank New Zealand)2.65%

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 Nueva Zelanda

What is the best 12-month term deposit rate in Nueva Zelanda today?

4.15% p.a. at Rabobank New Zealand (minimum deposit: NZ$1,000), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

What is the best 6-month term deposit rate in Nueva Zelanda today?

3.70% p.a. at Rabobank New Zealand (minimum deposit: NZ$1,000), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

Are term deposits in Nueva Zelanda 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 Nueva Zelanda?

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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