Product
Provider
Rate
Fee
Kiwibank
Kiwibank is a New Zealand-owned bank offering home loans, personal loans, savings, term deposits, credit cards and KiwiSaver. Founded in 2002, it is majority-owned by New Zealand Post and New Zealand Superannuation Fund.
12products across 3 categories
4.49%Best home loan rate
Home Loans9
See all home loans →| Product | Rate | Term | |
|---|---|---|---|
| Fixed 6 Monthfixed | 4.49% | 6 mo | Details → |
| Fixed 1 Yearfixed | 4.65% | 12 mo | Details → |
| Fixed 2 Yearfixed | 5.29% | 24 mo | Details → |
| Fixed 3 Yearfixed | 5.55% | 36 mo | Details → |
| Kiwibank Offset Variablefloating | 5.75% | — | Details → |
| Kiwibank Variablefloating | 5.75% | — | Details → |
| Kiwibank Revolvingfloating | 5.80% | — | Details → |
Credit Cards2
See all credit cards →| Product | Rate | Annual fee | |
|---|---|---|---|
| Kiwibank Zero VisaLow Rate | 12.90% | NZ$0 | Details → |
| Kiwibank Platinum VisaPlatinum | 13.95% | NZ$50 | Details → |
Debit Cards1
See all debit cards →| Product | Annual fee | |
|---|---|---|
| Kiwibank VisaVisa | NZ$0 | Details → |
Mortgage tools
Frequently asked questions
What financial products does Kiwibank offer?
Kiwibank offers Home Loans, Credit Cards, Debit Cards in New Zealand. They have 12 active products available for comparison on RatePal.
What is the lowest home loan rate at Kiwibank?
The lowest current home loan rate from Kiwibank 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 Kiwibank offer term deposits?
Kiwibank does not currently have term deposit products listed on RatePal. Check their website for the latest offerings.
Is Kiwibank a registered bank in New Zealand?
Yes, Kiwibank 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 Kiwibank?
You can apply directly through Kiwibank's website at https://www.kiwibank.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 Kiwibank before applying. Last updated: 19 May 2026.