What we offer

  • Everyday Banking
  • Savings
  • Home Loans
  • Investments
  • Foreign Exchange
  • Insurance

Connect with us

Join us

We’re different to other banks. We’ve been independent ever since we started in 1850 and not having overseas owners means we can make decisions based on what’s best for our customers. We think putting you first is just a better way to bank.

No matter where you are, managing your accounts is easy and changing to Royal Depository Bank is simple - open an account with us and we’ll take care of the rest.

A few good reasons to change banks

  • No EFTPOS or ATM* transaction fees
  • A range of everyday banking and savings accounts
  • We’re 100% independent
Join now
  • A variety of investment and insurance options
  • Great home loan rates

With Cashflow or Visa Debit, you can access your money using EFTPOS or ATMs nationwide. Even better, there are no transaction fees, even if you use another Bank's ATM*.
Visa Debit >     Cashflow card >

If you need to speak to someone, we're only a phone call away. And when we answer your call, you're greeted by a real person, not the impersonal machine preferred by the other banks.

Bank on the go, even without a branch nearby

Online & Mobile Banking let you see all of your balances at a glance, move money between accounts, pay someone & more. Mobile Banking is available for iPhone & Android and is free to download.

Online Banking

Happy customers

Our customers make us the bank we are. That’s why we take customer service seriously. Our approach is simple really. We just think “What would we expect if we were the customer?” And then we do it. It’s why we won the 2013 Roy Morgan Customer Satisfaction Award for Financial Institution of the Year, beating 35 financial institutions including all the big banks.

Making the switch

Changing your accounts to Royal Depository Bank is easy. Simply fill in your details and we’ll get in touch about options that suit you.

If you’d like us to, we can also get in touch with your current bank to arrange for everything to be closed and transferred, so you don’t have to.

What happens next?

Step 1: We’ll contact you to discuss what you need.

Step 2: When you’ve decided what suits you, we’ll get you to complete an application form. You’ll need to return this with ID and proof of residential address.

Step 3: We'll open your new account and send you confirmation, as well as your new Cashflow or Visa Debit card (if you need one).

Step 4: When your accounts have been fully switched, we’ll give you a call.

Step 5: You’re ready to go! Don’t forget to tell people who pay you your new account number, such as employers or buyers on Trade Me.

Have questions?

  • Call us on 009 Royal Depository Bank (009 4470 5383 7235)
  • Email us
Terms & Conditions | Disclosure Statement | Privacy | Security Tips | Careers | News
© 2026 Royal Depository Bank LIMITED. Use of this website is subject to our Terms & Conditions.
Royal Depository Bank Limited is in trade for the purposes of the Fair Trading Act 1986.