Rates & Fees

We pride ourselves on offering consistently competitive rates and in outlining our fees clearly and accurately.

If you're using these figures to plan your personal finances, our calculators can help.  You can get an idea of the interest and fees you may earn or pay.  You can work out your home loan or personal loan options and get an idea of your monthly Freestyle repayments.

You can also develop a savings plan and retirement plan. Our Investor Profile Quiz may help you to work out which investment fund to choose.

You can also take advantage of our tips for saving on your banking.

The date each rate was last changed is clearly stated and we will endeavour to keep the rates on this website current.

Lending Rates

• Home Lending
• Personal Lending
• Credit Cards

Deposit Rates

• Term Deposits
• Call/Savings Accounts
• Current Accounts

Foreign Exchange Rates

• Retail foreign exchange rates
• Wholesale exchange rates

Investment Rates

• National Bank Call Fund
• National Bank Term Fund
• National Bank KiwiSaver Scheme Past Performance Returns
• National Bank Managed Investment Funds Past Performance Returns
• Unit Trusts  Past Performance Returns
• Super Scheme Past Performance Returns
• Daily Prices

Fees

• Take a close look at the fees & charges for our personal accounts.

For an in-depth analysis of the economic factors driving our rates and the latest reports, go to Economic Information.

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.

ANZ Investment Services (New Zealand) Limited ("ANZIS") is the issuer/manager and ANZ National Bank Limited ("ANZNB") is the administration manager of the National Bank Call Fund (Call Fund) and the National Bank Term Fund ("Term Fund"). The National Bank of New Zealand, part of ANZ, is the distributor of units in the Call Fund and Term Fund.

Guardian Trust Superannuation Trustees Limited ("GTSTL") is the Trustee and Issuer of the National Bank KiwiSaver Scheme. OnePath (NZ) Limited ("OnePath") is the Scheme Provider, Promoter and Administration and Investment Manager of the National Bank KiwiSaver Scheme and the Promoter and Administration and Investment Manager of the Thoroughbred Super Scheme; Issuer, Promoter and Administration and Investment Manager of the Thoroughbred Unit Trusts, Thoroughbred Education Fund, and National Bank Managed Investment Funds. Public Trust is the Trustee of the Thoroughbred Unit Trusts and the Thoroughbred Education Fund and Trustee and Issuer of the Thoroughbred Super Scheme. The New Zealand Guardian Trust Company Limited ("NZGT") is the Trustee of the National Bank Managed Investment Funds. The National Bank of New Zealand, part of ANZ National Bank Limited ("ANZ"), is the Distributor of the National Bank KiwiSaver Scheme, Thoroughbred Unit Trusts, Thoroughbred Education Fund, Thoroughbred Super Scheme and the National Bank Managed Investment Funds.

Units or interests in the products referred to above do not represent deposits or liabilities of ANZ. Units and interests are subject to investment risk, including possible delays in repayment and loss of income and principal invested.

No entity* guarantees (either partially or fully) the capital value or performance of any products issued or managed by OnePath, including the products referred to above.

*Please note, this includes OnePath, ANZ, Australia and New Zealand Banking Group Limited, NZGT, GTSTL, Public Trust, their respective directors or board members, any member of their respective groups of companies and any other person.

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