Your account choices

Before you arrive in New Zealand, we'll set you up with your choice of day-to-day banking and savings accounts, and won't charge you any fees before you arrive.

When you arrive, we can arrange to have an ATM and EFTPOS card waiting for you and we can discuss other account options to meet your day-to-day needs.

Please note that accounts will not be activated for withdrawals until you arrive in
New Zealand and we can verify your details.

Day-to-Day Accounts

  • Freedom
    Ideal if your monthly deposits are $2,500 or more, or you make a lot of transactions.
  • Select
    Ideal if you want to earn competitive interest rate with no monthly account fees on balances over $5,000.
  • Classic
    Great if you don’t make many transactions a month.

Savings Accounts

  • Online Account
    Earn competitive interest on every dollar and pay no monthly account or transaction fees.
  • eSaver
    Earn eSaver’s premium interest rate if you can commit to a monthly deposit of at least $20 (not including credit interest) and make no withdrawals.
  • Ready Saver
    Provides you with flexibility to access your savings when you need and earns a good interest rate

More Information

Our eligibility criteria apply. Fees are subject to change. For more information about fees, opening a bank account before you arrive in New Zealand or about any of our accounts, please contact us anytime, day or night.

Please read our disclosure statement.

National Bank Debt Consolidation
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Budget Planner

Creating a budget is a great way to help you manage your finances. Enter your income and expenses into our Budget Planner, and we’ll do all the calculations and summarise your results.

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tips

Top tip: Estimating your expenses

Check your account and credit card statements for all your income and expenses. The more information and detail you enter into the Budget Planner the more accurate the results will be.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of The National Bank's financial advisers, please contact us on 0800 18 18 18.

To complete your budget planning, please enter  information

Summary of your income and expenses

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Total expenses $0.00
Surplus $0.00

Income summary

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What now?

You’ve made a good start to budgeting – take some time to review or discuss your results. You can either print your Budget Planner or save it as either a PDF or an excel document for future use.

Have you considered...

Save and Invest

Organising your savings and investments can be simple. All you have to do is decide what your goals are, and we can help you find the best way of achieving them.

More information

If you’d like to talk further about any of these options, call 0800 18 18 18, contact any branch, or e-mail us.

A copy of the Bank's Disclosure Statement under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any National Bank branch, free of charge.

You'll need Adobe Acrobat Reader to read the PDF version. If you don't have it, don't worry - it's free. Just follow this link to the Adobe site to download a copy.

The taxation treatment of Portfolio Investment Entities is covered in the Investment Statement (PDF 138KB).

* ANZ Investment Services (New Zealand) Limited is the issuer/manager of the National Bank Call Fund. The New Zealand Guardian Trust Company Limited is the Trustee of the Fund. The National Bank of New Zealand, part of ANZ National Bank Limited is the distributor of units in the Fund. Units in the Fund do not represent deposits or other liabilities of ANZ National Bank Limited. An investment in the Fund is subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of the ANZ National Bank Limited Group, the New Zealand Guardian Trust Company Limited or any other person guarantees (either partially or fully) ANZ Investment Services (New Zealand) Limited or the capital value or performance of the Fund or any other products issued by them.

^ A copy of The National Bank KiwiSaver Scheme Investment Statement is available as a PDF at the below link, or you can request one to be sent to you by calling 0800 156 020 Guardian Trust Superannuation Trustees Limited is the issuer of The National Bank KiwiSaver Scheme, ING (NZ) Limited is the Administration and Investment Manager and The National Bank of New Zealand, part of ANZ National Bank Limited, is the Distributor. Units in the Scheme do not represent deposits or other liabilities of ANZ National Bank Limited. Units are subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of ANZ National Bank Limited Group, ING Group, Guardian Trust Superannuation Trustees Limited, its parent and their respective directors or any other person guarantees or secures (either partially or fully) ING (NZ) Limited and its subsidiaries or the capital value or performance of the Scheme or any other products issued or managed by them.

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