Deposit Rates

A high fixed interest rate for your savings. You select the timeframe.

Great Rates

Select a high interest rate for the timeframe of your choice. Maximize your returns further by opting for one of our deposit accounts in an alternative currency.

Guaranteed Savings

Up to NZD 15,000,000 indemnity on any one claim/loss in the aggregate including costs and expenses.

No Fees

We apply no transfer fees and refund your other bank’s charges. We also apply no account charges of our own, as long as the aggregate balance across all your accounts stays above a relatively modest level.

Added Bonus

For a deposit on notice of twelve months or more, we pay a loyalty bonus: an uplift of +0.5% p.a. to the interest. If notice has not been given, we do this on the first anniversary of placing the deposit.

Rolling Notice

A savings account with a superior returns and withdrawal options.

Fixed Term

A traditional fixed term deposit with higher than average return.

No fees and great rates!

 BALANCEROLLING NOTICE
Swiss
Franc
(CHF)
fromto6m12m24m36m48m60m
7,00079,9993.87%4.68%4.99%5.29%5.59%5.87%
80,000174,9993.98%4.79%5.09%5.40%5.69%5.97%
175,000400,0004.08%4.90%5.20%5.50%5.80%6.08%
Euro
(EUR)
fromto6m12m24m36m48m60m
6,00069,9994.00%4.83%5.16%5.50%5.83%6.16%
70,000139,9994.11%4.94%5.27%5.61%5.94%6.27%
140,000350,0004.22%5.05%5.38%5.72%6.05%6.38%
Pound
Sterling
(GBP)
fromto6m12m24m36m48m60m
5,00059,9993.90%4.75%5.14%5.53%5.93%6.32%
60,000124,9994.01%4.86%5.25%5.64%6.04%6.44%
125,000300,0004.12%4.97%5.36%5.76%6.15%6.55%
Japanese
Yen
(JPY)
fromto6m12m24m36m48m60m
800,0009,349,9993.88%4.70%5.02%5.35%5.67%5.99%
9,350,00018,699,9993.99%4.81%5.13%5.45%5.77%6.10%
18,700,00046,700,0004.09%4.92%5.24%5.56%5.88%6.20%
US
Dollar
(USD)
fromto6m12m24m36m48m60m
7,00084,9993.92%4.81%5.26%5.73%6.21%6.69%
85,000174,9994.03%4.92%5.37%5.85%6.32%6.81%
175,000425,0004.14%5.03%5.49%5.96%6.44%6.93%

Rates accurate as at 06 December 2017, including 0.5% loyalty bonus. Fixed for selected notice period. No fees apply.

 BALANCEFIXED TERM
Euro
(EUR)
fromto12m24m36m48m60m
6,00069,9993.33%3.66%4.00%4.33%4.66%
70,000139,9993.44%3.77%4.11%4.44%4.77%
140,000350,0003.55%3.88%4.22%4.55%4.88%
Pound
Sterling
(GBP)
fromto12m24m36m48m60m
5,00059,9993.25%3.64%4.03%4.43%4.82%
60,000124,9993.36%3.75%4.14%4.54%4.94%
125,000300,0003.47%3.86%4.26%4.65%5.05%
US
Dollar
(USD)
fromto12m24m36m48m60m
7,00074,9993.31%3.76%4.23%4.71%5.19%
85,000174,9993.42%3.87%4.35%4.82%5.31%
175,000425,0003.53%3.99%4.46%4.94%5.43%

While Vivier champions the rolling notice deposit (‘RND’) because of flexible withdrawal options and superior returns, the company also offers a traditional fixed term deposit (‘FTD’). We offer FTDs from one to five years, with a fixed rate of interest for the entire term.

Higher rates

A loyalty bonus may apply, please see details below.

Larger deposits

Higher amounts may be accepted, please contact us for further details.

Longer deposits

Extended periods may be accepted, please contact us for further details.

Account Comparison

  • Features

    • Loyalty bonus on the first anniversary
    • Early withdrawal
    • Interest accruals
    • Interest payments
    • Top Ups
    • Can convert to higher rates/longer account

  • Rolling Notice

    • 0.5 % if no extant notice
    • Up to 5% every 6 months
    • Quarterly
    • Quarterly
    • Yes
    • Anytime

  • Fixed Term

    • None
    • None
    • Quarterly
    • At end of term
    • Yes
    • Yes

Except where noted, all our terms and conditions apply equally to Rolling Notice Deposits and Fixed Term Deposits.

Our Account Charges

Whenever you make a deposit or receive interest, we apply no transfer fees between New Zealand and your country or we refund your other bank’s charges to your account with us. We also apply no account charges of our own, as long as the aggregate balance across all your accounts stays above a relatively modest level, as set out opposite. We only apply a charge if you opt for a debit card, where we pass on nominal fees from MasterCard, or if you withdraw some or all of a deposit. Similarly, we do not pay the cost of posting account opening forms to New Zealand. On this basis, opening and maintaining an account is free.

 Euro or equivalent in another currency
BalanceOpening *Quarterly
< 2,0001,200160
2,000 to 6,00060080
> 6,00000

* applied/credited retrospectively as average balance changes over the year.

Our Deposit Rates

The rates above are current as at today. They apply from the date your deposit is placed and are fixed for at least as long as your selected period of notice. However, on an account on notice of one year or less, if withdrawal is requested within three months of the initial placement or renewal, rates are reduced by 1%. An account on rolling notice of one year or more attracts a loyalty bonus: a one-off interest uplift of 0.5% pa, which is reflected in the above rates.

Maximum Deposit

Accounts on notice of less than 12 months are subject to a maximum deposit of EUR 60,000 or equivalent in other currencies. Accounts on notice of 12 months or more are subject to a maximum deposit of EUR 1,200,000 or equivalent in other currencies.