Our latest rates
Money can be an emotional rollercoaster. Let's help smooth the ride.
Whether you're surviving until pay day or overwhelmed by house hunting, TSB is here to help you feel more in charge of your money, every day.
It's who we are. And it's how we money.
Feel in control with our everyday accounts
Money looks different for everyone – so our everyday accounts are designed to help you manage your money better. From personalising your accounts to help you reach your goals to setting up alerts so you know exactly when you can get your spend on, we've got everything you need to bank your way, every day.
Feel confident with an award-winning credit card
Whether it’s everyday spending or something a bit bigger, our credit cards give you plenty to feel confident about. One of NZ's lowest rate credit cards? Check. Canstar award-winning value? Bingo. Mobile phone protection, purchase protection and more? We've got you covered.
Feel supported with your choice of Home Loan Partner
Buying a home can feel overwhelming. Am I doing it right? What does fixed or floating mean? What even is an LVR? With TSB, you can choose a dedicated Home Loan Partner to guide you through the process - so you can focus on finding the place you’ll call home.
Proposed merger of TSB and Heartland Bank
Toi Foundation, TSB’s owner, has announced a proposal for TSB to merge with Heartland Bank, creating a new combined bank which would be called TSB Heartland Bank. Find out more.
Latest news
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23 July 2026
Non-retail lending rates changes - 23 July 2026
Effective 23 July 2026, we increased our AgriBusiness, Commercial and Business variable and revolving credit interest rates.
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20 July 2026
Privacy Notice changes – 3 August 2026
We’ve updated our Privacy Notice, with changes taking effect from 3 August 2026. Please take the time to read through and understand how these changes might affect you.
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16 July 2026
Lending rate changes - 16 July 2026
Effective 16 July 2026, we increased our Residential variable and revolving credit interest rates.