
Investments – Grow Your Money
Make your money work as hard as it can with a Term or Call Investment with WBS. Whether you want easy access to your savings or a higher interest rate for a fixed term, we can tailor an investment package to suit.
Call Investments
There are no fixed terms with a Call Investment, so you can access your money or top it up whenever you like. Remember, if you do make a withdrawal you’ll earn less interest. Enquire here or we can have a chat at our offices.
All new accounts are subject to a $500 minimum investment.
Account Balance | Interest Rate Per Annum |
< $999 | 0% |
$1,000 – $4,999 | 0.25% |
$5,000 – $9,999 | 0.35% |
$10,000+ | 0.50% |

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.
All new accounts are subject to a $500 minimum investment.
Term | Interest Rate Per Annum | |||
$500 – $1,999 | $2,000 – $9,999 | $10,000 & Over | ||
90 Days | 0.45% | 0.45% | 0.50% | |
120 Days | 0.45% | 0.55% | 0.55% | |
180 Days | 045% | 0.60% | 0.90% | |
270 Days | 0.45% | 0.65% | 0.95% | |
1 Year | 0.45% | 0.70% | 1.00% | |
18 Months | 0.45% | 0.75% | 1.05% | |
2 Years | 0.45% | 0.75% | 1.10% |
For different terms and amounts over $500,000, please get in touch for a quote.
For further information on our investment terms and conditions, view here.
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 an 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 by phone (06) 370-0070, or email your details to wbs@wbs.net.nz.
For more information about these changes and rates please visit Inland Revenue here.