Make your money work as hard as it can

We’ll help find the right investment for you

Whether you want easy access to your savings or a higher interest rate for a fixed term, we can personalise an investment package to suit you.

Term Investments

You’ll earn a higher rate of interest when you invest your funds for a set length of time. You choose the time period and we’ll repay or reinvest your funds when the term is complete. Enquire here or we can have a chat at our offices or in your own home.

Term Rate
$2,000 – $9,999
90 Days 0.40% p.a 0.45% p.a
120 Days 0.45% p.a 0.50% p.a
180 Days 0.60% p.a 0.85% p.a
270 Days 0.65% p.a 0.90% p.a
1 Year 0.70% p.a 1.00% p.a
18 Months 0.75% p.a 1.05% p.a
2 Years 0.75% p.a 1.20% p.a

Term Investments

1.20% PA

2 Year Fixed Rate

For investments
of $10,000 and above

Interest rates are subject to change

Apply now

Please contact us for a personalised rate if you’re looking to invest for a different term or investing over $1 million.

Terms and Conditions relevant to our Term Investments can be accessed by clicking here.

Call Investments

There are no fixed terms with a Call Investment, so you can access your money or top up your account whenever you like. Remember, if you do make a withdrawal you may earn less interest. Enquire here or we can have a chat at our offices.

<$999 0.0% p.a
$1,000 – $4,999 0.25% p.a
$5,000 – $9,999 0.30% p.a
$10,000+ 0.40% p.a

Call Investments

0.40% PA


All new accounts are subject to a $500 minimum investment. Interest rates are subject to change.

Apply now

Which Investment is right for me?

Whether you have a specific goal in mind, or just want to pop a bit of savings away for a rainy day, once you have made your initial investment – regardless of whether it is a Call Investment or a Term Investment – there is no obligation to contribute additional funds unless you choose to.

Interest is calculated daily on the balance of your investments and is paid on the frequency agreed at the time of making your investments.

Help me choose


Invest in your future by protecting yourself, your assets and your lifestyle against the unexpected. While we don’t offer insurance services ourselves, we partner with Provincial Insurance brokers – brokers who share our commitment to helping locals and our community protect their future.

Get a quote

IRD changes to Resident Withholding Tax (RWT) from 1 April 2020

From April 1 2020 the RWT rate for investors who have not given us their IRD number has been increased by the IRD from 33% to 45%. If you have given us your IRD number but have not nominated a RWT rate we must also now automatically charge RWT at the ‘default’ rate of 33%. To update your IRD number or RWT rate please contact us on (06) 370-0070, or email [email protected] For more information about these changes and rates please visit the Inland Revenue Department.

No more cheques received from 30 June 2021

As a result of trading banks phasing out cheques, WBS will no longer be able to receive payment via cheque from 30 June 2021. Please discuss other ways you can make a payment with us.