Our special term investment rates.
Term investments: Minimum investment $1,000, maximum investment $5,000,000.
Term Investments rates are for Redeemable Share Investments. All rates are subject to change.
How do our term investments work?
SBS Bank term investments give you strong returns, just like a term deposit. Because we’re a building society, your money helps Kiwis buy their own home. So it’s working hard for you, and to help people across New Zealand build a better future.
- You deposit your funds with us for a fixed term with an
agreed interest rate. - We calculate your interest daily.
- You can receive your interest at the end of the term, as
monthly or quarterly payments, or reinvest it quarterly to
compound your growth. - There are no establishment fees or account fees.
- You can manage your investment online or on your mobile.
- We deduct any tax automatically from your interest.
- You can apply to withdraw some or all of your money at
any time, but we will charge a break fee on those funds.
Start your online term investment application here
Use this calculator to determine your investment options. Once completed, you’ll proceed to the application.
This calculator is a useful tool to provide you with information about our Term Investments, based on the accuracy of the information entered. Any assumptions used are subject to limitations. The calculations do not take into account changes in your personal circumstances or your tax obligations, or any future changes such as changes to taxation or interest rates, and do not constitute a financial adviser service under the Financial Markets Conduct Act 2013, and are not intended to be relied on for making a decision in relation to a financial product. We recommend that you consider obtaining advice from a financial adviser before making any financial decisions. Please contact SBS Bank on 0800 727 2265 for more information.
What you need to open a term investment.
We can open a term investment for you online in minutes.
New to SBS Bank? Here’s what you’ll need.
- $1,000 or more. (If you need to invest more than $5,000,000, let’s talk.)
- You need to be 18 years or older to open the term
investment yourself. - You also need an SBS account. If you don’t already have
one, we’ll open a fee-free account for you. You’ll need:- To be a New Zealand citizen or permanent resident.
- Your New Zealand driver licence, or a New Zealand or
Australian passport. - Your IRD number.
- A utility bill showing your home address.
Investing for more than three years?
If you have a longer-term approach to your money, you have more options. Our SBS Wealth team specialises in matching your goals to the types of investment options available.
Whether you’re looking to create a steady income stream, grow your funds or just keep them secure, SBS Wealth’s qualified advisors can help. Have a chat with one of their advisors today.
Book a chat with an Advisor

Talk to us today about earning more for your savings.
You deserve to earn strong returns on your funds. We’re happy to have a talk about how we can help with our competitive term investments. Give us a call, or send us a note here, and we’ll get in touch. If you have a question, you can also check our FAQs.
If you’ve already decided to invest with us, why not set up your term investment online? It’s easy and fast, even if you’re not already an SBS Bank customer.
Important information about term investments.
Specific account opening criteria and our Terms and Conditions apply. This information relates to Redeemable Share Term Investments. Interest rates are subject to change.