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Pays / 🇳🇿 New Zealand / Savings

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.

Banque	Max rate p.a.	Base rate	What the top rate needs	Lien
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.	Aller à la banque
Heartland BankDigital Saver	up to 2.40%	–	Standard variable rate, interest paid monthly.	Aller à la banque

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.