Why settle for average?
Kernel's Smart Saver is the smarter way to save. Get 2.25% p.a.* on your cash savings and easy access to your money when you need it.
*this rate is subject to change
DCS protected
Your Smart Saver money is protected under the Reserve Bank of New Zealand’s Deposit Compensation Scheme (DCS)
Automate your savings and goals
Set goals and automate your deposits to take the hassle out of saving. Let the auto-save feature do the heavy lifting for you.
Easy access to your money
Withdraw your money within 1-2 business days, when you need it. No penalties or hidden fees.
The rate your savings deserve.
Finally, a rate that’s easy to see - and even easier to earn. Smart Saver combines high interest with flexibility, so you can save on your own terms.
Safe, sound, and simple.
Your savings are protected by the Reserve Bank of New Zealand’s Depositor Compensation Scheme (DCS). That’s the same protection you get from all of NZ’s major banks, paired with the performance you expect from Kernel.
Savings on autopilot
Give your money a mission with Kernel goals. Whether it’s for a trip to Bali, a new car, or an emergency fund, our Auto-Save feature does the heavy lifting so you can reach your milestones without lifting a finger.
Get a better fit with other Kernel products
Give your Savings a sidekick to help you grow your wealth. See your entire investment strategy come together. Manage your Kernel KiwiSaver, Funds, Shares & ETFs, and savings in one easy-to-use platform.
Information and graphs displayed are a guide only. Smart Saver rate is variable and subject to change. Comparison based on the RBNZ B25 average rates for unconditional on-call savings accounts as at Jan 2026. Investing involves risks. Not personalised financial advice. Terms and Conditions apply. More information can be found at kernelwealth.co.nz
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