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.

Open an account See rates and fees

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YouMoney

Rapid Save

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.

More about Flexi Debit Visa

Apple Pay and Google Pay

Add your Flexi Debit Visa to Google Pay or Apple Pay, and start paying with your phone.

More about mobile payments

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.

More about turning on controls

Fraud protection

Your card comes with leading security technology, so you know you’re protected from fraud.

Find out how your card is protected

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.

Get started online

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.

Get started online

By phone

Opened over the phone
Please call us on 0800 275 269 to complete the application process.

Call 0800 275 269

Opening an account for children and teenagers

Set up a bank account to start saving and managing money.

Access special offers and deals with BNZ Rewards

From dining and shopping to travel and entertainment. If you’re an eligible BNZ customer, you can enjoy the latest offers and discounts from BNZ partners, like New Balance, Event Cinemas, Bookme, and Huski.^

Explore BNZ Perks

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.

Discover the BNZ app

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.