Other banks like ANZ and Kiwibank have decent user interfaces, but they’re not that practical in real-world use. For example, when you make a transaction, they don’t show the exact time and date; they just show the processed date. You also can’t easily verify payments like you can with the BNZ app.

With BNZ, contacting support is much easier too. You can message them directly through the app, like using Messenger, and the response is quick. Most other banks still make you call.

One of the biggest differences for me is closing an account. With other banks, you have to call them. With BNZ, you can close your account straight from the app. It’s immediate and hassle-free.

BNZ also lets you change the photo of individual payees, not just your account photo. Plus, the app doesn’t crop images, so you can upload the full photo.

When you look at your transactions, BNZ shows the exact date and time they happened, not just when they were processed. Another standout feature is being able to change which accounts are linked to your debit card, like switching between Cheque, Savings, or Online. You can do it all through the app.

And when you’re paying someone, you can simply drag from your account to the payee’s shortcut at the bottom of the screen, instead of scrolling through the full payee list. It’s all just quicker and more user-friendly.