It's your call
Choose between our high-interest savings account or managed fund.
Smart Saver
Online savings account
Interest rate
4.80%
p.a.
Interest rate is subject to change
When can I get the money?*
Transfer to Kernel wallet
Within 1 business day
Withdraw to your bank
1 business day
What is this?
Bank account
Where is my money held?
A NZ based registered bank
Cash Plus
Managed fund
Yield to maturity
6.12%
p.a.1
Projected yield is subject to change
When can I get the money?*
Time to sell units
Next business day
Withdraw to your bank
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 started
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.
Get started