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 BalanceInterest Rate Per Annum
< $9990%
$1,000 – $4,9990.25%
$5,000 – $9,9990.35%

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.


TermInterest Rate Per Annum
$500 – $1,999$2,000 – $9,999$10,000 & Over
90 Days0.45%0.45%0.50%
120 Days0.45%0.55%0.55%
180 Days045%0.60%0.90%
270 Days0.45%0.65%0.95%
1 Year0.45%0.70%1.00%
18 Months0.45%0.75%1.05%
2 Years0.45%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

For more information about these changes and rates please visit Inland Revenue here.

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.