Term deposits
Earn a fixed interest rate on your savings by locking them into a term deposit.
Investment rates and returns
Interest rates and terms for term deposit and BNZ Term PIE investments, and returns on YouWealth managed funds.
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Featured term deposit rates
Special interest rates are available in Internet Banking and the BNZ app, for selected terms. You’ll need to have an individual or joint account with us.
Open a term deposit online
Term deposit rates
Rates are subject to change without notice. Depending on the type and term of your deposit, you can choose to have your interest paid monthly or at maturity.
Term deposit rates are available only for the first $5,000,000 of total deposits you hold with BNZ. The minimum term deposit amount is $2,000.
Open a term deposit
BNZ Term PIE rates
Rates are subject to change without notice. Depending on the term of your deposit, you can choose to have your returns paid monthly, quarterly, six monthly, annually, or at maturity.
BNZ Term PIE rates are available only for the first $10,000,000 of total deposits you hold with BNZ. The minimum BNZ Term PIE amount is $2,000.^
Open a BNZ Term PIE account
Returns on YouWealth managed funds
BNZ YouWealth fund performance to 31 July 2026.^^
Returns are calculated after deducting management fees but before deducting tax.
Past performance is no guarantee or indication of future performance.
The inception date of the YouWealth funds was 21 May 2018, except for the High Growth Fund, which was released on 28 November 2023.
YouWealth quarterly fund updates
Start investing
Open a term deposit
BNZ Term PIE
A fixed-term investment with the potential to pay less tax.
Managed funds
Access or top up your investment when you need with the flexibility of a YouWealth account.
Investments help and support
To find out more about investing, see our guide to investing. If you need help or have a question, call 0800 275 269.
BNZ adviser disclosure statements are available on request and free of charge.
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