Product
Provider
Rate
Fee
BNZ
Bank of New Zealand (BNZ) is one of New Zealand's largest banks, offering a comprehensive range of personal and business banking products including home loans, savings accounts, term deposits, credit cards and KiwiSaver.
23products across 4 categories
4.49%Best home loan rate
$150Lowest KiwiSaver fee (on $50k)
Home Loans11
See all home loans →| Product | Rate | Term | |
|---|---|---|---|
| Fixed 6 Monthfixed | 4.49% | 6 mo | Details → |
| Fixed 1 Yearfixed | 4.65% | 12 mo | Details → |
| Fixed 18 Monthfixed | 4.85% | 18 mo | Details → |
| Fixed 2 Yearfixed | 5.09% | 24 mo | Details → |
| Fixed 3 Yearfixed | 5.29% | 36 mo | Details → |
| Fixed 4 Yearfixed | 5.59% | 48 mo | Details → |
| Fixed 5 Yearfixed | 5.79% | 60 mo | Details → |
| Standard Variable |
Credit Cards3
See all credit cards →| Product | Rate | Annual fee | |
|---|---|---|---|
| BNZ Lite VisaLow Rate | 13.50% | NZ$10 | Details → |
| BNZ Advantage Platinum Rewards VisaPlatinum | — | NZ$0 | Details → |
| BNZ Advantage Rewards VisaStandard | — | NZ$0 | Details → |
Debit Cards1
See all debit cards →| Product | Annual fee | |
|---|---|---|
| BNZ Flexi Debit VisaVisa | NZ$0 | Details → |
KiwiSaver8
See all KiwiSaver funds →| Fund | Type | Risk | Fee/yr on $50k | 1yr return | |
|---|---|---|---|---|---|
| BNZ Cash | Cash | 1/7 | $150 | — | Details → |
| BNZ Default | Balanced | 3/7 | $175 | — | Details → |
| BNZ Balanced | Balanced | 4/7 | $225 | — | Details → |
| BNZ Conservative | Conservative | 2/7 | $225 | — | Details → |
| BNZ First Home Buyer | Moderate | 3/7 | $225 | — | Details → |
| BNZ Growth | Growth | 6/7 | $225 | — | Details → |
| BNZ High Growth | Aggressive | 7/7 | $225 | — | Details → |
| BNZ Moderate | Moderate |
Mortgage tools
Frequently asked questions
What financial products does BNZ offer?
BNZ offers Home Loans, Credit Cards, Debit Cards, KiwiSaver in New Zealand. They have 23 active products available for comparison on RatePal.
What is the lowest home loan rate at BNZ?
The lowest current home loan rate from BNZ is 4.49% p.a. Rates vary by loan-to-value ratio, loan term and individual circumstances. Use RatePal's calculator to estimate your repayments.
Does BNZ offer term deposits?
BNZ does not currently have term deposit products listed on RatePal. Check their website for the latest offerings.
Is BNZ a registered bank in New Zealand?
Yes, BNZ is a registered bank with the Reserve Bank of New Zealand (RBNZ). Deposits are covered by the New Zealand Depositor Compensation Scheme (DCS) up to NZ$100,000 per depositor.
How do I apply for a product with BNZ?
You can apply directly through BNZ's website at https://www.bnz.co.nz. RatePal provides comparison information only — click "Apply now" on any product to go to the provider's official application page.
Rates shown are indicative and subject to change. Always confirm current rates and terms directly with BNZ before applying. Last updated: 19 May 2026.