Separate future money
Keep reserves and longer-term allocations distinct from the account used for everyday operating costs.
Reserves · future use · allocation
Grow
Give longer-term money a purpose beyond day-to-day spending.
Grow is for balances you do not need to use immediately. It helps customers separate future-focused money from everyday operating funds and understand what reserve or growth options may be available to their organisation.
What it isGive longer-term money a purpose beyond day-to-day spending.
Designed forVerified NSB Money customers with an eligible organisation or account.
ControlClear account, approval and activity visibility through your NSB Money workspace.
Why it helps
Built around the job your money needs to do.
NSB Money products are separated by purpose so you can understand where funds sit, what they are being used for, and what action is required next.
Make the purpose visible
Record why money is being held for later so balances are easier to understand and govern.
Protect operating clarity
Avoid treating every available dollar as immediately spendable when some of it is intended for future obligations or plans.
Use governed allocation
Where supported, organisation permissions and approvals can help control changes to reserved or allocated balances.
Review what is available
See which reserve or growth options are available to your account rather than assuming every product suits every customer.
Plan without promising returns
Grow is about purposeful allocation. Any specific return-bearing product would require its own eligibility, terms and disclosures.
Before you apply
What we need from you.
Eligibility depends on the product, your organisation, verification status and the information needed to support the requested service. We keep the criteria visible so customers know what to prepare.
Typical criteria
- An NSB Money customer profile and eligible organisation or account.
- Completed identity and organisation verification where required.
- A clear reason for separating the money from normal day-to-day operating balances.
- Authority to allocate or manage the relevant organisation funds.
- Eligibility for any specific reserve or growth service offered to the account.
- Acceptance of any product-specific terms, risks or disclosures before use.
How to apply
Open or sign in to NSB Money
Start from your verified customer workspace so available services can be matched to your account.
Identify the purpose
Decide what the money is being set aside for and whether it should remain separate from operating funds.
Review available options
NSB Money shows or confirms the reserve or growth services for which your account is eligible.
Allocate with the required authority
Complete any required approvals, terms or product-specific steps before the allocation is activated.
Ready to use Grow?
Grow is not a promise of investment performance or return. Specific reserve, savings or growth products, if available, are subject to their own eligibility, terms, disclosures and approval requirements.