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 or a retirement plan.  Our Investment Selector can help you work out which investments may be best for you.

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
• Cash Fund Past Performance Returns
• Education Fund Past Performance Returns
• Unit Trusts  Past Performance Returns
• Superannuation 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.

ING (NZ) Limited is the issuer/manager of the Thoroughbred Unit Trusts, the Thoroughbred Education Fund (together, the ýFundsý) and the Thoroughbred Super Scheme (Scheme). ANZ Investment Services (New Zealand) Limited (ANZIS) is the issuer/manager and ANZ National Bank Limited (ANZ) is the administration manager of the National Bank Call Fund (Call Fund). The National Bank of New Zealand, part of ANZ, is the distributor of units in the Funds, the Scheme and the Call Fund. Units in the Funds, the Scheme and the Call Fund do not represent deposits or other liabilities of ANZ. Units are subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of ANZ or the ANZ Group, ING Group or any other person guarantees (either partially or fully) ING (NZ) Limited, ANZIS or any of those companies subsidiaries or the capital value or performance of any products issued by them. A copy of a disclosure statement prepared under the Securities Markets Act 1988 is available on request from The National Bank free of charge.

Read our general Disclosure Statement and our Disclosure Statement prepared under the Securities Markets Act 1988.

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