Save faster with high interest rate accounts.

Instead of the banks making money off your money, we want you to make money off your money.

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Supercharged high interest Deposit Accelerators™

You’ll see all our targeted interest rates and like them.

How can we offer such great interest rates? We help you take your savings and lend it directly to major Kiwi companies like the owners of Mercury Energy, Z Energy, One New Zealand. 

These companies pay high interest rates to borrow money to use as capital. Banks typically lend them your money to earn this high rate. They take a big cut and give you the rest. 

At Aera, you get more of your share, giving you higher returns on your savings with us. Banks make money off your savings. We want you to make money off your savings.

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Great savings rates for Aera Members.

One of the great benefits about Aera membership is our Deposit Accelerators™.

They are designed to turbo boost your savings, sprinting you towards your first home.

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Ninety
7.15%
NINETY

What's inside:

  • Rolling 90 day notice period
  • $100 minimum transaction
  • Cash in a registered bank and corporate bonds mix

Ninety is great for when you’re ready to commit funds for slightly longer and roll them over. With a 90 days notice period, your funds can be stowed away earning a higher return but still close at hand. The underlying assets in a Ninety account are a mix of cash and corporate bonds.

  • Product Description: Aera Ninety is a portfolio of mainly New Zealand listed corporate bonds. It holds the following assets on your behalf ("Underlying Assets"):
    - Infratil Limited IFTHC, a NZX-listed bond with maturity date 15/12/29 (90%)
    - Cash held in a New Zealand Registered Bank (10%)
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    At the maturity of a bond, the payment of the face value by the issuer will result in these funds being held as cash in a New Zealand Registered Bank.
  • Targeted Daily Rate (annualised): 7.15%
  • Notice Period: 90 days
  • Minimum Transaction Amount (payment in or out): $100
  • Maximum Wallet Amount: $25,000

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OVERNIGHT
5.35%
OVERNIGHT

What's inside:

  • Overnight access
  • $1 minimum transaction
  • Cash and cash management account mix

The Overnight Deposit Accelerator is perfect for when you need fast access to your funds. With a 1 day notice period, your funds are never out of reach.

  • Production Description: Aera’s Overnight is a mix of cash held at a registered New Zealand bank, and managed funds managed by third party fund managers:
    - Cash held in a New Zealand Bank (10%)
    - Units in the Kernel Cash Plus Fund (45%)
    - Units in the Nikko AM NZ Cash Fund (45%)
  • Targeted Daily Rate (annualised): 5.35%
  • Notice Period: 1 day
  • Minimum Transaction Amount (payment in or out): $1
  • Maximum Wallet Amount: $75,000
  • RWT Withheld: Yes

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THREE
5.65%
THREE

What's inside:

  • 3 day notice period
  • $100 minimum transaction, For larger balances
  • Cash in NZ managed funds mix

Three is great for when you’re ready to commit funds for slightly longer and roll them over. With a 3 day notice period, your funds can be stowed away earning a higher return but still close at hand. The underlying assets in the Aera Three accelerator are a mix of managed funds that we hold on your behalf.

  • Product Description:
    ‍    Aera Three is a portfolio of New Zealand managed funds. It holds the following assets on your behalf ("Underlying Assets"):
    - Units in a Kernel Cash Plus Fund (50%)
    - Units in a Nikko AM NZ Cash Fund (50%)‍
  • Targeted Daily Rate (annualised): 5.65%
  • Notice Period: 3 days
  • Minimum Transaction Amount (payment in or out): $100
  • Maximum Wallet Amount: $250,000
  • RWT Withheld: Yes

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Accelerator Account Disclaimer

Rates shown are targeted rates and may change. Please click here to review the full disclaimer. Click  "Learn more" on any individual Accelerator above for specific information on its underlying assets and how it works.

Unlock Aera Credits to help build your deposit.

How do we give you $10,000 in Aera Credits? Think of us like your savings partner, real estate agent, mortgage broker all in one.  

Everything stays in-house, so we can get you to your first house.

Then when you’re ready to buy, we split these commissions with you which you can redeem up to $10,000 into cash for your deposit. 

That’s getting you your first home faster.

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TELL ME MORE. CREDITS ARE MONEY?

Well yes they can turn into real world money.

• Let’s dive into how you can earn Aera Credits.
• Just by becoming a member, that earns you $100
• Downloading the Aera App, another $100
• Opening an Aera Account, $100
• Completing a form, $100

That’s $500 towards your deposit in less than ten minutes.

The more you work with Aera during your first home journey, the more credits you unlock. Think of them as ongoing rewards for doing what you want to do, get a first home. They can add up to $10,000 towards your first home.

Earn 7.15% interest on savings.That's interesting.

Download

Get the Aera app to unlock your first $500 now.

Frequently asked questions

Can I take my money out at any time?

Our Accelerated Accounts are locked in for a time period. To get your money out, all you need to do is give us notice and each account tells you how much notice you need to give - the 90 account needs 90 days, the Overnight needs overnight notice. We try to keep things simple around here.

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If you are not a bank, how can I save with Aera?

Aera is not a registered bank. We are a financial services company that exists to help members get into their own homes, faster. For our savings products we help you access investment assets that earn higher rates. In the app you get to choose from a selection of account types, and can see what assets are held within them.

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Where are my funds held, are they safe?

When you choose to put money into a Deposit Acceleratorthem, the assets and cash are held in a ‘nominee’ on your behalf, in your own name in trust. A nominee is a company that is nominated to hold assets on behalf of another entity. and are kept entirely separately from Aera the business. Whatever happens to Aera the company, all of your funds are entirely separate.

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What are the risks of the Deposit Accelerators? 

They aren’t bank accounts, but the assets you have your money in are a mix of cash, investment grade and funds which aim to get better returns than banks. It includes funds with some of the largest institutions in the world such as Nikko Asset Management (who manage over $50 billion of funds for people), and also are sometimes bonds which are debts owed by the largest companies in New Zealand like the owners of Mercury Energy or Z Energy, to you. It’s nice to know some of these big companies are working hard to make you money!

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Are those rates correct? No Really.

Yes they are. That’s why we called them Deposit Accelerators. They are targeted rates, and they can change but generally they are pretty stable and we let you know when things are going to change.

Is the Aera app safe?

Aera’s app is built on banking software that’s used by over 15M global customers. Apart from tracking and hitting your first home milestones, you can move money in and out, control your debit card, change your PIN, send yourself and others money and much more. Your funds are held securely in trust and placed with large, reputable New Zealand registered banks and financial custodians that you select.

“Very happy to see my deposit earning interest daily in the deposit accelerator account. Really does what it says!!”

– darlene

“Easy to set up. I like the returns and they get updated on a daily basis. The team is helpful too.”

– dilu
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Important Disclosure

All financial decisions involve risk. Any returns referenced are not guaranteed. You should consider seeking independent legal, financial, taxation or other advice when considering whether a decision is appropriate for your objectives, financial situation or needs.

Aera is not a registered bank.

Aera is an initiative of the Aera Foundation, a charitable trust backing creative responses to social and environmental challenges. Aera Foundation is registered as CC50290 with the New Zealand Charities Commission.

The Aera financial services platform is provided by Aera 22 Opco Limited, and is registered on the Financial Services Providers Register (FSPR.govt.nz).
FSP#1003388 and FSP#1003389

Aera's custodial financial service is not licensed by a New Zealand regulator. Aera's registration on the New Zealand register of financial service providers and membership of the Financial Services Complants Limited dispute resolution scheme does not constitute active regulation or oversight by a New Zealand regulator.