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The bank alternative for first homes

Great income

Stable job

Good education

Can’t get a home

Get into your first home faster with higher interest on your savings and up to $10,000 in Deposit Credits.

Aera is a financial services platform helping Kiwis with a great income get over the deposit hurdle and into their first home faster.

01

We help you get deposit ready...

Aera’s Deposit Accelerator is designed tohelp you shorten your deposit timeline. Earn high returns while building a strong savings history with Aera.

02

Earn Deposit Credits

Earn credits in your account that you can use for your deposit. Improve your savings behaviour and reach key milestones to build credit up to $10,000.

03

Stop renting and start owning

Go from renting to owning faster - if you need more help our Ownership Accelerator may be able to top up your deposit further.

01

We help you get deposit ready...

Aera’s Deposit Accelerator is designed to help you shorten your deposit timeline. Earn high returns while building a strong savings history with Aera.

02

Earn Deposit Credits

Earn credits in your account that you can use for your deposit. Improve your savings behaviour and reach key milestones to build credit up to $10,000.

03

Stop renting and start owning

Go from renting to owning faster - if you need more help our Ownership Accelerator may be able to top up your deposit further.

01

We help you get deposit ready...

Aera’s Deposit Accelerator is designed tohelp you shorten your deposit timeline.Earn high returns while building a strong savings history with Aera.

02

Earn Deposit Credits

Earn credits in your account that you can use for your deposit. Improve your savings behaviour and reach key milestones to build credit up to $10,000.

03

Stop renting and start owning

Go from renting to owning faster - if you need more help our Ownership Accelerator may be able to top up your deposit further.

Aera is a bank-alternative dedicated to first home buyers.

We are not a registered bank, but a financial services platform helping Kiwis with a great income but an impossible deposit hurdle, get into their first home faster.

We were a little skeptical so we tested with a small amount. Within a week, we could see it growing day by day and Aera had earned our trust. Since then, we have started saving all our money with them. Our home deposit has grown much faster than if we were saving with the bank.

Vivek & Natasha
Your terms
Flexible withdrawals
Your security
Funds protected in trust
Your return
Compounding Daily interest

Our Accelerators TM
are designed to help you save for your first home faster and buy one with a much smaller deposit.

DEPOSIT ACCELERATOR

High earning savings accounts

Whether you’re starting small or are already on your way, our Deposit Accelerators are designed to fast track the timeline to your first home deposit.

No lengthy lock-ups, earn up to $10,000 in Deposit Credits - all managed through Aera’s members’ app.

* Deposit Accelerator and Comparison Disclosures
Ownership Accelerator

Move in from a 5% Deposit*

Designed to get first home buyers into their first home faster. We invest alongside you, so you can accelerate your days-to-deposit, and move in faster.

* Coming Soon
The aera Member's app

Start saving today.

Looking after your funds is our number one priority.

Instantly open everyday spending accounts, save with Deposit Accelerators, send people money and pay bills.

digital sign up

Start saving in minutes for your first home deposit.

Protection and Security

Built on banking software for 15M global customers. Control your card, change your PIN, and lock your card in-app.

peace of mind

Your funds are held securely in trust with reputable New Zealand registered banks and financial custodians.

Coming soon to Auckland

Ownership Accelerator TM

MOVE in with a 2.5% Deposit

Designed to get first home buyers into their first home faster. We invest alongside you, so you can accelerate your days-to-deposit, and move in faster

Spend anywhere, save everywhere.

Our membership card works the same as any Visa card, you can spend your cash anywhere. Visa is accepted and can withdraw from any ATM in the world.

24/7 access to your money
visa zero fraud
paywave ready
apple & google pay
Coming

Our mission

We’re going beyond banking to create a country of “haves”.

We believe in a future Aotearoa that offers financial opportunities to all.

Where the idea that you can get ahead by working hard and saving wisely is 
true again.

our vision

1

Kiwis can save their first home deposit much faster.

2

Kiwis can buy a first home with a much smaller deposit.

3

Any Kiwi can feel secure in their financial future.

community stories

We are here to cut your time-to-deposit and get you into your first home faster.

FAQs

Got questions? We have answers.

Is Aera a bank?

Aera is not a registered bank. We are a financial services company that exists to help members get into their own homes, faster. We use similar tools as banks and wealth management firms, but we’re on a mission to pass on as much of the returns as possible to everyday Kiwis like you.

How can I trust Aera?

Aera is a New Zealand registered financial services provider (FSP1003388 and FSP1003389 on the NZ Financial Services Provider Register), built by Kiwis for Kiwis. We are members of the Financial Services Complaints Limited (FSCL# 6905) for disputes as well as being subject to New Zealand regulations.

How can I join Aera?

Right now we are accepting registrations for Early Access. You can express your interest here and we will be in touch soon. We will be inviting members who have strong incomes and are already actively saving, to join and build their first home deposit using the Deposit Accelerator.

What is the Aera members app?

Our member-only mobile app is home to the Aera Deposit Accelerator high interest savings offerings to help you build your first home deposit faster. It’s also where you can view your account details, transaction history and where you can send and receive money, pay bills and manage your Aera Visa membership card.

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Join us now.

© 2023 Aera 22 Opco Limited.