Banking that puts people first
100% customer‑owned, award‑winning service — with profits reinvested to benefit customers, and communities. It’s banking designed to be fairer, simpler, and genuinely supportive.
Growing together, sharing the gains
We’re the only NZ bank sharing profits directly with customers. When we do well, we share that success with them in the form of a rebate. We've shared over $25 million and counting.
Everyday banking made easy
Zero monthly account fees, smart digital tools, and modern payment options, backed by New Zealand‑based support whenever you need it. All designed to simplify how you manage your money.
Everyday banking with zero monthly fees
Keep more of your money for the things that matter. With no monthly account or electronic transaction fees, everyday banking stays simple and affordable.
You can also open multiple electronic accounts and personalise them with names and images — making budgeting easier.
Manage your banking your way
Digital convenience, personal support — your choice.
We offer flexible ways to bank that fit your life:
- Online banking — secure and simple.
- Mobile app — widely trusted and well‑reviewed for Apple & Android.,
- Phone banking — quick access anytime for simple banking needs.
- In‑branch or over the phone — our teams are there to support you.
Whatever your banking style, we’re here to help make managing your money easy and stress‑free.
Switching to us is simpler than you might think
Switching banks shouldn’t be hard and with us, it isn’t.
Many people feel unsure about switching banks, but we make switching stress‑free.
We’ll take care of the hard parts — our dedicated switch team will:
- Open your new account(s)
- Move over your payments and payees
- Get you set up with your preferred ways to bank, including internet banking, and our mobile app.
We work directly with your current bank — no awkward conversations or complicated forms. We’ll transfer your balance and move your automatic payments, direct debits and bill payments so everything keeps running smoothly.
We can help close your old account too — once everything is safely across, we’ll tidy up the last steps for you. Easy.
Make the switch — we’ll take care of the rest.
Learn how switching worksBanking on a better world
Doing what’s right for our customers and communities.
We’re committed to long‑term sustainability and making banking fairer, simpler, and better for everyone.
We're proud to be:
- A B Corp Certified™ bank
- Toitū Net Carbon Zero Certified
- A Living Wage employer
Bank with a team that’s working to make a real difference.
Learn moreWhy choose us
Clear benefits that put people before profits:
- 100% customer‑owned, the only bank in New Zealand to give our customers a share of our profits.
- Everyday accounts with zero monthly account fees.
- Ethical, sustainable banking with recognised certifications.
- New Zealand‑based customer support
When we bank together, we all bank better.
Ready to join our banking whānau?
Apply through our mobile app in just a few minutes. You’ll just need your NZ driver licence or passport handy to get started.