Fees & Rates

Effective 24 June 2026, we're increasing our AgriBusiness, Commercial and Business variable and revolving credit interest rates.

TSB is offering a new 12-month special term investment rate of 3.90% p.a. This is the best rate among the banks for this term and gives New Zealanders a simple way to grow their savings.

Effective 1 April 2026, changes to our Business, Rural and Commercial base rate.

TSB is starting the year by dropping its one-year fixed home loan rate to 4.39% p.a., reinforcing the bank’s ongoing focus on helping customers manage household costs and feel more in control of their finances.

Effective 2 February, we’re changing the way interest is calculated on our Premier, Youth, Freestyle Junior, Personal and Savings accounts. 

Effective 5 January 2026, changes to our Business, Rural and Commercial base rate.

Effective 16 December 2025, we decreased our AgriBusiness, Commercial and Business variable and revolving credit interest rates.

Effective 2 December 2025, we decreased our Residential variable and revolving credit interest rates.

Effective 1 December 2025, changes to our Business, Rural and Commercial base rate.

We’ve made some updates to our General Terms to make them clearer and to better reflect the things we will do to help keep you protected from fraud and scams when you bank with us. These take effect from 28 November 2025.