Great returns for a great cause

Squirrel is 100% Kiwi-owned and operated, and your money will only ever be used to build, buy, or renovate New Zealand homes, with fair fees and interest rates for everyone.
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68 five star reviews on Shopper Approved.

Plenty of reasons to give Squirrel a whirl

  • Start with as little as $100 - and we'll add $20 when you make your first deposit! 
  • Earn 5.25%p.a. interest on every dollar in your On-Call Account too
  • Opportunity to get your money out early
  • Whilst past performance cannot guarantee future performance, no Squirrel investor has ever lost a cent.

Why trust Squirrel with your savings?


Your investments are secured over Kiwi property (unless otherwise stated)


Reserves are put aside, to help cover missed payments by borrowers


We're licensed as a peer-to-peer lender by the Financial Markets Authority

It only takes a few minutes to set up your account

Choose how you earn your interest
On-Call Account
Variable returns
Your money is held on trust with major New Zealand AA- rated banks.
Term Investment
Home Loans
Variable returns
Money invested in:
Loans secured by residential property
Reserve fund protection
Term Investment
Construction Loans
Variable returns
Money invested in:
Loans secured by residential property
Reserve fund protection
Term Investment
Personal Loans
Fixed returns
Money invested in:
Personal loans to homeowners
Reserve fund protection

Everything you need to know in one place

We've put together a PDF guide to give you a full introduction to saving and investing with Squirrel.
We'll even send it to your inbox so you can easily access it any time.

Get the guide now

Instantly work out how much you could be earning with Squirrel investments

Just enter an amount and use the slider to see how much interest you could get from your term investments.

7% 7.5% 7.75%

Your monthly interest payments would be*

$ 0
Sign up now

*This calculator is intended as a guide for illustrative purposes only and is not intended to provide financial advice. It assumes that the amounts entered are invested for the entire period selected and the returns are based on the interest rate selected. The calculation results do not take into account taxes that may be applicable to you (including withholding tax). Please note that interest rates offered on our platform are subject to change and our minimum investment amount is currently $100. To talk to one of our team at Squirrel, please call 0800 21 22 30 or you can find more information about P2P investing here. We recommend seeking financial advice about your situation and goals before investing into any financial product.


Use the mobile app to set up and manage your account

Do it all from your phone or tablet. Just download the app, set up your Squirrel account in less than five minutes, and manage everything in one place.

The opportunity to sell your investment, without any fees

Got plans for your cash? No worries. While our terms start from one-year, you have the opportunity to get your money back out by selling your investment on our secondary market at no cost to you2.

Find out more about how this works in our  guide to investing with Squirrel

Secondary market screen of mobile app
Young woman smiling, looking up

Every dollar in your Squirrel account earns interest - whether invested or not

When you sign up with us, you'll automatically be set up with your own On-Call Account. This is basically your transaction account, where you deposit money into, and where returns are paid into from your investments. 

As soon as you deposit into this account, every dollar will earn our current rate. You can invest it to earn even higher returns, or let it sit and earn interest. Win win.

Sign up for your Squirrel account in less than five minutes

  1. Join online
  2. Deposit funds
  3. Start earning heaps of interest
Young man smiling, looking at mobile phone
Young man smiling, looking at mobile phone
Here's how investing with Squirrel works
Watch our most common questions get answered

Looking after your money is our number one priority

As well as stashing away reserves for a rainy day, we've got enhanced security, working tirelessly to protect your investment

Money goes 1 way in, 1 way out

That means money can only be transferred to a verified bank account in your name.

Your money is held in trust

It's locked away on your behalf, and only moves on your instruction.

We're reviewed annually by KPMG

KPMG review our systems and processes, and audit our financial statements annually.

Bank-grade technology

1010100001010110... not sure what that means? That's ok, we've got a team of experts who do.3

Download the guide to saving and investing with Squirrel

Before you dive in, you might want to read a bit more about how it all works and where exactly your money is going. Everything you need to know is in one easy-to-read PDF guide.

Get the guide sent to your inbox

Meet David, our Chief Squirrel

David Cunningham has more years of banking experience than he'd like to admit. And because he's seen it all (and has the battle scars to prove it), he knows there are better ways to reward savers. In fact David's earning returns for himself on the Squirrel platform right now, and so are his family.

We're not kidding when we say we're passionate about challenging the status quo and building better value for our community of savers (you should see how animated David gets at our team meetings).

Read more about Squirrel

David Cunningham - CEO of Squirrel
Gemma, Dave, Richard - Squirrel team members

Our team of humans is here to help

When you call our number or book a chat, you'll be talking to one of our dedicated team members, located in our Auckland office. We're a friendly bunch, so if there's anything you need help with, don't hesitate to get in touch.

1 Average rate of return on the Squirrel Platform over the past month
2 Provided another investor is willing to take on the same investment terms - find out more about our secondary market here.
3 Along with our expert software developers, we use a range of security services from Microsoft, and work with a trusted cyber-security firm on ensuring our technology security is top notch. We’re also on the path towards SOC2 compliance, which includes regular audits of our physical and technology security.

Start earning returns on your savings.