This is Banking at Warp Speed

Buckle up—Universal Interest is here. Earn 4.30% interest* on every dollar across Debut. Let your money do the mahi. No penalties, minimum deposits or withdrawal fees.

* Interest rates are subject to change.

Debut interface highlighting Universal Interest paid

Universal Interest is here.

Earn interest on every dollar.

Introducing Universal Interest from Debut—Earn an attractive 3.80% per annum on every dollar in your account across both savings and spending accounts. Easily fight inflation and grow your savings without hidden fees or restrictive conditions.

Get Debut and start saving with Universal Interest.

Earn on every dollar. 🪴

Universal Interest is earned across your entire Debut account.

Unlike traditional banks that limit interest to specific accounts, Debut ensures your entire balance—whether in your Cash Account or Savings Sheds—accrues interest daily.

A happy bee toy buzzing to be free from its pull-string

No Strings Attached ✂️

Banking as it should be: simply great interest, all the time on every dollar.

Enjoy full access to your funds with no lock-ups, minimum deposits or penalties for withdrawals. Your money remains flexible, working for you at all times.

Reach your goals faster. 🏁

Earn compounding interest every month.

Universal Interest is calculated daily and paid into your Cash Account at the start of every month, simplifying your financial growth. Move it to a Savings Shed or treat yourself. It’s up to you.

More about Savings Sheds

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Just so you know, interest rates sometimes change.
Always check the Debut app for the most up-to-date rate.

Debut is the best way to save, track, budget and understand your money.

We’re doing something that’s never been done in New Zealand. We’re building a bank carefully, thoughtfully and with feedback from our customers. This is only the beginning. Money stored with Debut is held in a secure trust in a registered AA- rated NZ-based bank.