When the customer signs up for and receives alerts.

First TXT alert type that the customer signs up for will be free for the first month, then $0.25 per TXT alert.

Free for email alerts.

When the customer uses phone banking.

First five calls per month free, then:

• $1 per call to a customer service representative; and
• $0.50 per call to the automated phone banking system.

When the customer makes an ATM balance enquiry.

First five balance enquiries per month free, then $1 per balance enquiry.

The other bank ATM fee may also apply.

When the customer asks for a replacement ATM/EFTPOS card.

$10 per card.

When the customer asks for a new Visa Debit Card:

$10 for standard delivery within New Zealand.

$15 for urgent delivery within New Zealand.

$15 for standard international delivery.

$45 for urgent international delivery.

When the customer uses a non-Kiwibank ATM.

$1 per withdrawal, transfer, balance enquiry or declined transaction because of insufficient funds.

When the customer uses an ATM/EFTPOS card or Visa Debit Card to make an ATM balance enquiry at an overseas ATM.

$1 per balance enquiry.

When the customer uses an ATM/EFTPOS card or Visa Debit Card to withdraw cash at any overseas ATM.

$6 per withdrawal.

When the customer uses an ATM/EFTPOS card or Visa Debit Card at an overseas ATM and the transaction is declined.

$1 per declined transaction.

When the customer uses an ATM/EFTPOS card or Visa Debit Card for a foreign currency transaction.

2.5% of the New Zealand dollar amount once converted.

What the customer will pay to have the Visa Debit Card.

$10 per card per annum (waived for the first year).

When the customer uses a Visa Debit Card to withdraw cash over the counter at any other bank or financial institution.

$6 per withdrawal.

When the customer disputes a transaction made using a Visa Debit Card.

$15 per transaction receipt requested.

The investigation fee may also apply.

When the customer uses a Visa Debit Card for an online, phone, overseas or mail order transaction and the transaction is declined. Doesn't apply to declined ATM and EFTPOS transactions in New Zealand.

$1 per declined transaction.

When the customer asks for a bank cheque.

$5 per bank cheque.

When the customer deposits cash at a Kiwibank branch.

Free up to and including $2,000 worth of notes and $200 worth of coins per business per day. If more than $2,000 worth of notes per business per day, then 0.5% of the total value of notes. If more than $200 worth of coins per business per day, then 0.5% of the total value of coins. Minimum fee $5.

When the customer withdraws cash at a Kiwibank branch.

Free up to and including $2,000 worth of cash per business per day. If more than $2,000 worth of cash per business per day, then 0.5% of the total value of cash. Minimum fee $5.

When the customer orders change for collection at a Kiwibank branch.

Free up to and including $50 worth of change per day. If more than $50 worth of change per day, then $3 per change order.

When the customer deposits a cheque.

First five cheques per business per day free, then $0.50 per cheque.

When Kiwibank issues the customer a cheque book.

$5 per cheque book.

When the customer asks Kiwibank to retrieve a copy of a cheque.

$15 per cheque.

When the customer uses Dynamic Sweep.

$1 per month.

A Dynamic Sweep set up and change fee also applies.

When the customer uses EasySave.

$3 per month.

An EasySave set up and change fee also applies.

When the customer asks Kiwibank to investigate something about the customer’s account.

$60 per hour. Minimum fee $15.

When the customer tops-up its prepaid mobile phone.

$0.30 per top-up.

When the customer asks for a cheque to be cleared quicker than the standard three business days.

$15 per special answer.

When the customer asks Kiwibank for a copy of an account statement.

$4 per statement.

When the customer asks Kiwibank to stop a cheque.

$20 per cheque.

When the customer asks Kiwibank for a transaction history printout at a Kiwibank branch.

$0.30 per request for a basic transaction history (available from a customer service representative).

$4 per request for a detailed transaction history (available from a Kiwibank banking representative).

When the customer’s account goes into unauthorised overdraft (or, where the customer has an approved overdraft, over the overdraft limit) by more than $20 at any time during the month.

$10 per month.

When there isn’t enough money in the customer’s account to make an automatic payment, bill payment, direct debit or cheque payment, and the payment is not made as a result.

$15 per payment not made.

When the customer hasn’t initiated any transactions for one year and has a balance of less than $200 across all the customer’s accounts.

$30 per year.

If the customer has less than $30, the customer’s account(s) will be closed.

When the customer withdraws money from Notice Saver without giving the required notice.

The amount of the charge varies depending on the amount being withdrawn, the rate of return and the required notice period.

When the customer terminates a term deposit before the end of its term.

The amount of the charge varies depending on the current interest rates and how long the term deposit has left to run.

When the customer sets up or changes an automatic payment / recurring transfer.

Free for 30 days from account opening, then:

• $5 per set up/change when done person to person at a Kiwibank branch or over the phone;
• $3.50 per change when done using the automated phone banking system; and
• $2 per set up/change when done by internet banking.

This fee also applies if the customer skips a scheduled payment / transfer. This fee doesn’t apply when the customer makes one-off, manual or ad hoc payments between the customer’s accounts, to someone else’s account or to pay a bill.

When the customer sets up or changes a bill payee. Free for 30 days from account opening, then:

• $5 per set up/change when done person to person at a Kiwibank branch or over the phone;
• $2 per set up/change for recurring payments when done by internet banking; and
• free for set up/change for one-off payments when done by internet banking.

When the customer sets up or changes Dynamic Sweep.

Free for 30 days from account opening, then $3 per set up/change.

A monthly fee also applies to Dynamic Sweep.

When the customer sets up or changes EasySave.

Free for 30 days from account opening, then $3 per set up/change.

A monthly fee also applies to EasySave.