Savings & term deposits
Make your balance work harder
Pair Reserve Savings with a fixed term deposit and keep everyday access to part of your money while the rest earns for the full term.
Rates are quoted on application and confirmed in your account terms.
See savings optionsBank closer. Decide faster.
Getting started
Three ways to begin.
Open an account online, sign in to the one you have, or ask a banker before you commit to anything.
Open an account
Apply online in a few minutes. We issue your account number and login as soon as your details are confirmed.
Log in
Use your account number and password to reach balances, transfers, cards and statements on any device.
Talk to a banker
Questions about the right account, a loan or moving a business over? Send a message and a banker replies the same day.
Choose your side of the bank
Personal or business — pick where you fit.
Same standards of clarity, different tools. Switch between the two to see what each includes.
Accounts, cards and borrowing for individuals and families.
Popular with customers
Go straight to what you need.
Rates
Illustrative rates, plainly set out.
Examples only — your rate is confirmed in writing before anything is agreed.
Reserve Savings
Variable
No fixed term
A tiered variable rate confirmed when your account is opened, with same-day access to funds.
See the detailsTerm Deposit
Fixed
6 to 36 months
Lock a rate for a chosen term. The rate is quoted on application and fixed for the full term.
See the detailsPersonal Loan
Risk-based
1 to 7 years
An APR quoted after affordability assessment, with the total cost shown before you accept.
See the detailsRates shown are illustrative categories, not offers. Your rate, term and fees are confirmed in writing after assessment. See our full example rates page for the current structure.
Digital banking
Your account, open every hour of the day.
Everything you would normally queue for happens on the screen in front of you — and it looks the same on web and mobile.
Alerts that matter
Low balance, large payments and card use abroad — you choose which arrive.
Freeze a card instantly
Lock and unlock any card yourself, no phone call needed.
Schedule payments
Set up transfers and bills ahead of time and track their status.
Deposit a check
Photograph the front and back from your phone and submit it.
Who we bank
Households, operators and long-term investors.
Each relationship has its own products and controls — held to the same standard of clarity.
Why customers stay
Decisions made by people who read the file.
The account was open the same afternoon, and the first person I spoke to already had my details in front of them.
Payment runs used to take an evening. Approvals now sit with the two people who should sign them off.
I wanted the risk explained before I committed anything. It was, in plain language, in writing.
Illustrative examples of how customers use their accounts, not statements from named individuals.
Fully licensed
Licensed institution
Authorised to hold deposits and provide credit
24/7
Account access
Web and mobile banking, every day
Continuous
Fraud monitoring
Automated review of card and account activity
Same day
Client service
Response target for secure messages
News & guidance
Reading worth your time.
Open an account, or pick up where you left off
Applying online takes a few minutes and we issue your account number as soon as your details are confirmed. Already banking with us? Sign in for balances, transfers and cards.