Everyday banking, and savings and investments

When you sign up for and receive alerts.

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

Free for email alerts.

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:

• $1 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 new ATM/EFTPOS Card.

$10.

When you ask 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 you use a non-Kiwibank ATM.

$1 per withdrawal, transfer or balance enquiry.

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 any overseas ATM.

$6 per withdrawal.

When you use your ATM/EFTPOS card or Visa Debit Card at any 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% of the New Zealand dollar amount once converted.

What you'll pay to have the Visa Debit Card.

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

When you use your Visa Debit Card to withdraw cash over the counter at any other 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. Doesn't apply to declined ATM and EFTPOS transactions in New Zealand.

$1 per declined transaction.

When you ask for a bank cheque.

$5 per bank cheque.

When you deposit or withdraw cash at a Kiwibank branch.

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 a Kiwibank branch.

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 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 a Kiwibank branch.

$0.30 per request.

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

$15 per application.

Free for Tertiary and Graduate Pack customers.

What you'll pay to have the overdraft.

$3 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 your account goes into unauthorised overdraft (or over your authorised overdraft limit) by more than $10 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 is not made as a result.

$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 have less than $30, your account(s) will be closed.

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 current interest rates and how long the term deposit or investment in the Kiwibank PIE Term Deposit Fund has left to run.

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 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 (free for Tertiary Pack customers).

This fee also applies if you choose to skip a scheduled payment / transfer. 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 a Kiwibank branch or over the phone; and
• free when done by internet banking.

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

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