It's your call
Choose between our high-interest savings account or managed fund.
Smart Saver
Online savings account
Coming soon
Interest rate
4.80%
p.a.
Interest rate is subject to change
Time to withdraw
1-2 business days
What is this?
Bank account
Where is my money held?
A NZ based registered bank
Cash Plus
Managed fund
Yield to maturity
6.13%
p.a.1
Projected yield is subject to change
Time to withdraw
1-2 business days
What is this?
PIE Fund
Where is my money invested?
Cash & bank deposits
Bonds & floating rate notes
Other cash equivalents
Introducing Kernel goals
Give your money a purpose with Kernel goals. Track and automate your savings to help you stay the course.
Get startedFamily trip to Bali
$0 of $15,000
Auto-Save
$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 Fund
Cash Account
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.
Get startedWhy 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
Smart Saver Coming in 2024
What it entails
- Competitive interest rate
- Easy access to your money
- No minimums, fees or limits
- Money held with a NZ registered bank
Get on the waitlist
Be the first to know when you can open an account.
Ready to break up
with your bank?
Open a Kernel account, then start saving online in minutes.
Get started