Deposit Rates

A high fixed interest rate for your savings. You choose the time frame.

 Why open a DBSB account?
Great Rates

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 10,000,000 indemnity on any one claim/loss in the aggregate including costs and expenses.

No Fees

If your overall balance is maintained above a relatively modest level, DBSB will apply no account charges.

Added Bonus

For a deposit on notice of 12 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.

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Our Account Charges


Whenever you make a deposit or receive interest, we apply no transfer fees 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. On this basis, opening and maintaining an account is free.


Our Deposit Rates


The rates above are current as at today but subject to change. They apply from the date your deposit is placed 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, the rates are reduced by 1%. An account on notice of one year or more attracts a loyalty bonus: a one-off interest uplift of +0.5% pa on our published rates. The rate is applied twelve months after the deposit is placed, assuming notice has not already been given, and remains in place until withdrawal. Finally, although we pay all interest without taxes, it is up to you to declare income in your place of residence.


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.