Everyday accounts, savings accounts and investments

Free.

Free.

Your mobile service provider may charge you data costs for using mobile banking.

When you use phone banking.

First five calls per month free, then:

• $2 per call to a customer service representative; and
• $0.50 per call to the automated phone banking system.

When you use TXT banking.

First month free, then $0.25 per TXT banking request.

First five TXTs per month free for Tertiary and Graduate Pack customers, then $0.25 per TXT banking request.

Your mobile service provider may charge you TXT messaging costs for sending TXTs.

When you make an ATM balance enquiry.

First five balance enquiries per month free, then $0.50 per balance enquiry.

Free for Tertiary and Graduate Pack customers.

The other bank ATM fee may also apply.

When you ask for a replacement ATM/EFTPOS Card.

$15.

When you ask for a replacement Visa Debit Card.

$15 for standard delivery within New Zealand.

$20 for urgent delivery within New Zealand.

$20 for standard international delivery.

$50 for urgent international delivery.

When you use a non-Kiwibank ATM.

$1 per withdrawal, transfer, balance enquiry or declined transaction.

Free for Tertiary Pack customers using ATMs located on university campuses.

When you use your ATM/EFTPOS card or Visa Debit Card to make an ATM balance enquiry at an overseas ATM.

$1 per balance enquiry.

When you use your ATM/EFTPOS card or Visa Debit Card to withdraw cash at an overseas ATM.

$6 per withdrawal.

When you use your ATM/EFTPOS card or Visa Debit Card at an overseas ATM and the transaction is declined.

$1 per declined transaction.

When you use your ATM/EFTPOS card or Visa Debit Card for a foreign currency transaction.

2.5% of the New Zealand dollar amount once converted.

What you’ll pay to have your Visa Debit Card.

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

When you use your Visa Debit Card to withdraw cash over the counter at another bank or financial institution.

$6 per withdrawal.

When you dispute a transaction made using your Visa Debit Card.

$15 per transaction receipt requested.

The investigation fee may also apply.

When you use your Visa Debit Card for an online, phone, overseas or mail order transaction and the transaction is declined. This fee doesn’t apply to declined ATM transactions in New Zealand and overseas, and declined EFTPOS transactions in New Zealand.

The overseas ATM transaction decline fee will apply to overseas transactions.

$1 per declined transaction.

When you ask for a bank cheque.

$5 per bank cheque.

When you deposit or withdraw cash at your local Kiwibank.

0.25% of the total cash deposits and withdrawals where the combined total exceeds $15,000 in a calendar month.

When you order change for collection at your local Kiwibank.

0.20% of the value of the change over $20.

When you deposit a cheque.

First three cheques per day free, then $0.50 per cheque.

When we issue you a cheque book.

$2.50 per cheque book.

When you ask us to retrieve a copy of a cheque.

$15 per cheque.

When you ask us to investigate something about your account.

$60 per hour. Minimum fee $15.

When you make a payment in error and ask us to retrieve the payment (even if the retrieval is unsuccessful).

$20 if the payment in error was made to a Kiwibank account.

$45 if the payment in error was made to an account at another bank.

When you ask for a cheque to be cleared quicker.

$15 per special answer.

When you ask us for a copy of an account statement.

$4 per statement.

When you ask us to stop a cheque.

$20 per cheque.

When you ask us for a transaction history printout at your local Kiwibank.

$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 your account goes into unauthorised overdraft (or, where you have an approved overdraft, when your account goes over your overdraft limit) by more than $20 at any time during the month.

$10 per month.

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

$15 per payment not made (except for Bill Blaster accounts, where the fee is $7.50 per payment not made).

When you haven't initiated any transactions for one year and have a balance of less than $200 across all your account(s).

$30 per year.

If you’ve less than $30, your account(s) will be closed.

When you withdraw money from Kiwibank 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 you terminate a term deposit or investment in the Kiwibank PIE Term Deposit Fund before the end of its term.

The amount of the charge varies depending on the amount being withdrawn, the current interest rates and how long the term deposit or investment in the Kiwibank PIE Term Deposit Fund has left to run.

When you apply for a new overdraft (even if your application is declined).

$15 per application.

Free for Tertiary and Graduate Pack customers.

What you'll pay to have an overdraft.

$5 per month.

$2 per month for Tertiary and Graduate Pack customers.

When you apply for a change to your approved limit.

$15 per application.

Free for Tertiary and Graduate Pack customers.

When you ask for a temporary overdraft.

$25 per request.

When you set up or change an automatic payment / recurring transfer.

Free for 30 days from account opening, then:

• $5 per set up/change when done person to person at your local Kiwibank 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 (free for Tertiary Pack customers).

This fee also applies if you choose to skip a scheduled payment / transfer. This fee doesn’t apply when you make one-off, manual or ad hoc payments between your accounts, to someone else's account or to pay a bill.

When you set up or change a bill payee.

Free for 30 days from account opening, then:

• $5 per set up/change when done person to person at your local Kiwibank or over the phone; and
• free when done by internet banking.

When you set up a direct debit.

Free for 30 days from account opening, then $5 per set up

When you set up or change PayStream, Sweep or Dynamic Sweep.

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