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Reimagine how
you save

Low effort. High yield. Intuitive tech.

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It's your call

Choose between our high-interest savings account or managed fund.

Smart Saver

Online savings account



Interest rate

Interest rate is subject to change

Cash Plus

Managed fund




Projected yield is subject to change

Introducing Kernel goals

Give your money a purpose with Kernel goals. Track and automate your savings to help you stay the course.

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Family trip to Bali

$0 of $15,000


$500 fortnightly

Next: Tue 29 Jan 2025

Short term growth, with a little risk

Whether your goal is two months or two years away, short-term financial products carry risk. Kernel Save provides options to suit your risk appetite and goal - whether this be a savings account or a cash PIE fund. Credit risk applies and rates of return are subject to change. Read more here.

Cash Plus Fund

Smart Saver

Graph displayed is a guide for informational purposes only. Rates of return are subject to change.

Say hello to all-in-one

One platform. One login. Multiple ways to manage your savings and investments.

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Kernel Dashboard

Why Kernel Save?

Government regulated

Kernel is a regulated entity. We hold an MIS license, FSP registration and are a licensed KiwiSaver provider.

Automate your savings

Forget the busywork; our automation features do the heavy lifting for you.

Easy access to your funds

Withdraw your money with ease, when you need it. No penalties or hidden wait times.

Your questions, answered

Read more FAQs

Ready to break up
with your bank?

Open a Kernel account, then start saving online in minutes.

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© Copyright 2024 Kernel Wealth Limited


Indices provided by: S&P Dow Jones Indices

  1. Annualised indicative weighted average Yield (net of fees, but before PIE tax) of portfolio as at 30 April 2024. The interest rate is current. Future Yield and interest rate may vary depending on the movement of interest rates and in particular the OCR as defined by the Reserve Bank of New Zealand (RBNZ).