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Booster Savvy review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Booster Savvy is a New Zealand family savings account for anyone who wants easy access to a variable return without a monthly fee. It pays 2.65% on demand, and the debit card and transfers make the balance spendable rather than locked away, which suits households building a pot they can dip into.

Key facts

Best for
A spendable family savings pot that earns 2.65% with no monthly fee and no notice period.
Headline rate
2.65%↗
Rate type
Variable↗
Access terms
On-demand access: spend by Mastercard debit card, EFTPOS and ATM, plus transfers to New Zealand bank accounts, with no notice period↗
Monthly fee
NZ$0↗
Account kind
Easy access↗
Legal entity
Booster Investment Management Limited↗
Headquarters
New Zealand↗
Support channels
Email, Chat, Phone, Help-centre↗
Pricing model
No monthly fee
Official website
booster.co.nz

Debit cards

Currency conversion fee
2%↗
Card type
Debit↗
Card network
Mastercard↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • On-demand access: spend by debit card, EFTPOS and cash machines, or transfer to New Zealand bank accounts, with no notice period.
  • A variable rate of 2.65% on an easy access account, with no term to serve.
  • A no monthly fee model, with the monthly fee at NZD 0.
  • Help on email, chat and phone.

Cons

  • The 2.65% rate sits below the site median of 3%.
  • Currency conversion on the debit card is 2%, where the site median is 1%.
Booster Savvy

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Scored 9.2 / 10 by SumCue.

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Who it suits

  • New Zealand households building a family fund for a holiday or a deposit.
  • Anyone who wants savings to stay spendable through a debit card.
  • Savers comfortable with a variable rate and instant access.

Who should look elsewhere

  • Wise, whose 3.29% headline rate is higher if interest alone decides it.
  • bunq, whose headline rate of 3.01% is higher, for savers not planning to spend from the pot.
  • Finteres, whose rate runs 0% to 36%, for anyone happy to hold money rather than spend it on demand.

Rates and terms

Interest is paid at a variable rate of 2.65%, so the figure moves rather than being locked for a set period. A variable account suits savers who want to see their balance grow without tying money away. The rate on offer is what a saver earns while the money is held, so the number to watch is the one published now and after each change.

Who runs it

The account is run by Booster Investment Management Limited, a business based in New Zealand. It is licensed as a fund manager in New Zealand under the Financial Markets Conduct Act, so the provider is a regulated New Zealand business. Support runs on email, chat and phone, which covers written enquiries, live chat, a phone line and a help centre.

How Booster Savvy compares

Where Booster Savvy is available

Available
New Zealand
Licence in New Zealand
Licensed fund manager under the Financial Markets Conduct Act 2013, New Zealand, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Booster Savvy pay on family savings?+

Savings earn a variable rate of 2.65%, so the figure can move rather than staying fixed for a set period. That suits people who want their money accessible and are comfortable watching the rate change, and there is no term to serve at the end of it.

What does it cost to keep the account open?+

The monthly fee is NZD 0 on a no monthly fee model, so there is no charge for holding the balance. The cost to watch is the card: currency conversion is 2% on the debit card. The cost score for the account is 5.2.

Can I reach the money when I need it?+

Yes. Access is on-demand: spend by debit card, at EFTPOS terminals and cash machines, or transfer to New Zealand bank accounts, with no notice period to serve. The account is easy access, so the balance is not tied up for a term. The trade-off is the rate, which sits at 2.65%.

What card comes with the account and what does it cost overseas?+

The account comes with a debit card on the mastercard network, so the savings balance can be spent directly. Currency conversion is the cost to watch, at 2% on converted amounts, which is why holidays abroad cost more. The card works for everyday payments in New Zealand too.

Who runs the account and how is it regulated?+

The account is run by Booster Investment Management Limited, a business based in New Zealand. It is licensed as a fund manager in New Zealand under the Financial Markets Conduct Act, so the provider is a regulated New Zealand business. That licence is the one to read before opening an account.

How do I get help if something goes wrong?+

Support runs on email, chat and phone, so there is a written route, a live chat route, a phone line and a help centre. Phone and chat cover the questions that come up fastest, such as a card that will not work or a transfer that has not landed. Support sits with the same New Zealand operation that runs the account.

How does the rate compare with other savings accounts?+

The 2.65% rate is below the site median of 3%, and the account ranks 282 of 488 on rate. bunq lists 3.01% and Wise 3.29%, so this account is chosen for access and family spending rather than for the highest number on the table.

Sources

  • boostersavvy.co.nz checked September 26, 2026

    Backs: Card type, Card network

    “Debit card linked to an investment account”

  • boostersavvy.co.nz checked September 26, 2026

    Backs: Support channels

    “Reach us in the app, on live chat, via email, by phone or check out our dedicated Help & Support page”

  • boostersavvy.co.nz/about checked September 26, 2026

    Backs: Headquarters

    “We are a New Zealand owned and operated financial services company in Wellington that has been looking after Kiwis' money for over 25 years.”

  • boostersavvy.co.nz/help-and-support checked September 26, 2026

    Backs: Access terms, Account kind, Legal entity, Licences

    “Savvy is an investment account that allows you to access your funds with a debit card for day-to-day spending and transfer to NZ bank accounts.”

  • boostersavvy.co.nz/returns-and-fees checked September 26, 2026

    Backs: Currency conversion fee, Headline rate, Pricing model, Monthly fee, Rate type

    “an international transaction fee will be charged each time you use your physical or digital card”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Minimum deposit, Deposit protection.

Booster Savvy

Booster Savvy

A spendable family savings pot that earns 2.65% with no monthly fee and no notice period.

9.2/10See alternatives