An archive of Kiwibank's previous legal documents, disclosures, terms and conditions, fees and limits and other key documents.

Annual reports and bank disclosures

Archived disclosure statements and key information summary documents

2023

Disclosure Statement - June 2023

2022

Disclosure Statement - December 2022

Disclosure Statement - June 2022

2021

Disclosure Statement - December 2021

Disclosure Statement - June 2021

2020

Disclosure Statement - December 2020

Disclosure Statement - June 2020

2019

Disclosure Statement - December 2019

Disclosure Statement - June 2019

2018

Disclosure Statement - December 2018

Disclosure Statement - June 2018

2017

Disclosure Statement - December 2017

Disclosure Statement - September 2017

Disclosure Statement - June 2017

Disclosure Statement - March 2017

2016

Disclosure Statement - December 2016

Disclosure Statement - September 2016

Disclosure Statement - June 2016

Disclosure Statement - March 2016

2015

Disclosure Statement - December 2015

Disclosure Statement - September 2015

Disclosure Statement - June 2015

Disclosure Statement - March 2015

2014

Disclosure Statement - December 2014

Disclosure Statement - September 2014

Disclosure Statement - June 2014

Disclosure Statement - March 2014

2013

Disclosure Statement - December 2013

Disclosure Statement - September 2013

Disclosure Statement - June 2013

Disclosure Statement - March 2013

2012

Disclosure Statement - December 2012

Disclosure Statement - September 2012

Disclosure Statement - June 2012

Disclosure Statement - March 2012

2011

Disclosure Statement - December 2011

Disclosure Statement - September 2011

Disclosure Statement - June 2011

Disclosure Statement - March 2011

2010

Disclosure Statements

Disclosure Statement - December 2010

Disclosure Statement - September 2010

Disclosure Statement - June 2010

Disclosure Statement - March 2010

Key Information Summary

Key Information Summary - December 2010

Key Information Summary - September 2010

Key Information Summary - June 2010

Key Information Summary - March 2010

2009

Disclosure Statements

Disclosure Statement - December 2009

Disclosure Statement - September 2009

Disclosure Statement - June 2009

Disclosure Statement - March 2009

Key Information Summary

Key Information Summary - December 2009

Key Information Summary - September 2009

Key Information Summary - June 2009

Key Information Summary - March 2009

2008

Disclosure Statements

Disclosure Statement - December 2008

Disclosure Statement - September 2008

Disclosure Statement - June 2008

Disclosure Statement - March 2008

Key Information Summary

Key Information Summary - December 2008

Key Information Summary - September 2008

Key Information Summary - June 2008

Key Information Summary - March 2008

2007

Disclosure Statements

Disclosure Statement - December 2007

Disclosure Statement - September 2007

Disclosure Statement - June 2007

Disclosure Statement - March 2007

Key Information Summary

Key Information Summary - December 2007

Key Information Summary - September 2007

Key Information Summary - June 2007

Key Information Summary - March 2007

Terms and conditions

Archived Kiwibank General Terms and Conditions

General Terms and Conditions - effective to 31 March 2024

General Terms and Conditions - effective to 17 September 2023

General Terms and Conditions - effective to 25 May 2023

General Terms and Conditions - effective to 15 February 2023

General Terms and Conditions - effective to 30 November 2022

General Terms and Conditions - effective to 19 August 2022

General Terms and Conditions - effective to 28 April 2022

General Terms and Conditions - effective to 30 November 2020

General Terms and Conditions - effective to 30 March 2020

General Terms and Conditions - effective to 29 September 2019

General Terms and Conditions - effective to 28 March 2019

General Terms and Conditions - effective to 31 May 2018

General Terms and Conditions - effective to 24 August 2017

General Terms and Conditions - effective to 29 August 2016

General Terms and Conditions - effective to 17 Februrary 2016

General Terms and Conditions - effective to 28 April 2015

Fees and limits

Archived fees and limits brochures

Personal Banking

Personal Banking Fees and Limits - effective to 31 March 2024

Personal Banking Fees and Limits - effective to 28 November 2023

Personal Banking Fees and Limits - effective to 19 November 2023

Personal Banking Fees and Limits - effective to 31 October 2023

Personal Banking Fees and Limits - effective to 31 May 2023

Personal Banking Fees and Limits - effective to 5 March 2023

Personal Banking Fees and Limits - effective to 30 November 2022

Personal Banking Fees and Limits - effective to 31 October 2022

Personal Banking Fees and Limits - effective to 26 October 2022

Personal Banking Fees and Limits - effective to 23 August 2022

Personal Banking Fees and Limits - effective to 17 July 2022

Personal Banking Fees and Limits - effective to 12 June 2022

Personal Banking Fees and Limits - effective to 28 April 2022

Personal Banking Fees and Limits - effective to 10 February 2022

Personal Banking Fees and Limits - effective to 23 November 2021

Personal Banking Fees and Limits - effective to 24 August 2021

Personal Banking Fees and Limits - effective to 4 July 2021

Personal Banking Fees and Limits - effective to 24 March 2021

Personal Banking Fees and Limits - effective to 31 January 2021

Personal Banking Fees and Limits - effective to 30 November 2020

Personal Banking Fees and Limits - effective to 27 October 2020

Personal Banking Fees and Limits - effective to 30 March 2020

Personal Banking Fees and Limits - effective to 8 December 2019

Personal Banking Fees and Limits - effective to 30 June 2019

Personal Banking Fees and Limits - effective to 28 March 2019

Personal Banking Fees and Limits - effective to 31 January 2019

Personal Banking Fees and Limits - effective to 17 December 2018

Personal Banking Fees and Limits - effective to 14 October 2018

Personal Banking Fees and Limits - effective to 14 April 2018

Personal Banking Fees and Limits - effective to 28 February 2018

Personal Banking Fees and Limits - effective to 31 January 2018

Personal Banking Fees and Limits - effective to 14 December 2017

Personal Banking Fees and Limits - effective to 8 October 2017

Personal Banking Fees and Limits - effective to 9 November 2016

Personal Banking Fees and Limits - effective to 26 July 2016

Personal Banking Fees and Limits - effective to 31 March 2016

Business Banking

Business Banking Fees and Limits - effective to 31 March 2024

Business Banking Fees and Limits - effective to 28 November 2023

Business Banking Fees and Limits - effective to 19 November 2023

Business Banking Fees and Limits - effective to 31 October 2023

Business Banking Fees and Limits - effective to 31 May 2023

Business Banking Fees and Limits - effective to 30 May 2023

Business Banking Fees and Limits - effective to 30 November 2022

Business Banking Fees and Limits - effective to 26 October 2022

Business Banking Fees and Limits - effective to 23 August 2022

Business Banking Fees and Limits - effective to 28 April 2022

Business Banking Fees and Limits - effective to 9 January 2022

Business Banking Fees and Limits - effective to 4 July 2021

Business Banking Fees and Limits - effective to 30 November 2020

Business Banking Fees and Limits - effective to 27 October 2020

Business Banking Fees and Limits - effective to 30 March 2020

Business Banking Fees and Limits - effective to 8 December 2019

Business Banking Fees and Limits - effective to 30 June 2019

Business Banking Fees and Limits - effective to 28 March 2019

Business Banking Fees and Limits - effective to 14 April 2018

Business Banking Fees and Limits - effective to 28 February 2018

Business Banking Fees and Limits - effective to 14 December 2017

Business Banking Fees and Limits - effective to 9 November 2016

Business Banking Fees and Limits - effective to 31 March 2016

Insurance

Archived insurance documents

We no longer offer Credit Card Repayment Insurance or Home Loan Insurance. For more information see our products we no longer offer page.

Life & Living Insurance

For Life & Living Insurance policy wordings, please visit nib.co.nz.

House, Contents and Vehicle Insurance

House Insurance policy - effective to 26 May 2023

Kiwi Insure House Insurance policy - effective to 4 October 2020

Kiwi Insure Car Comprehensive Insurance policy - effective to 4 October 2020

Kiwi Insure Car Third Party, Fire and Theft Insurance policy - effective to 4 October 2020

Kiwi Insure Car Third Party Only Insurance policy - effective to 4 October 2020

Kiwi Insure Contents Insurance policy - effective to 4 October 2020

Tower House Insurance Landlord's Plus Cover - effective to 4 April 2018

Tower House Insurance Plus Cover - effective to 4 April 2018

Tower Contents Insurance Standard Cover - effective to 4 April 2018

Tower Contents Insurance Plus Cover - effective to 4 April 2018

Tower Car Insurance Comprehensive Cover - effective to 4 April 2018

Tower Car Insurance Third Party, Fire and Theft Cover - effective to 4 April 2018

Tower Car Insurance Third Party Only Cover - effective to 4 April 2018

Travel Insurance

Travel Insurance for Kiwibank Credit Cards policy - effective to 21 March 2024

Travel Insurance for Kiwibank Credit Cards policy - effective to 2 June 2022

Instant Insurance for Travel Policy - effective to 4 April 2018

Credit cards

Archived credit card documents

In addition to the General Terms & Conditions, Personal Banking and Business Banking Fees and Limits Brochures, Travel Insurance for Kiwibank Credit Cards policy wording and Credit Card Repayment Insurance Policy, the following product specific documents apply:

Kiwibank Credit Cards Terms and Conditions

Kiwibank Credit Card terms and conditions - effective to 21 March 2024

Kiwibank Credit Card terms and conditions - effective to 15 February 2024

Kiwibank Credit Card terms and conditions - effective to 31 October 2022

Kiwibank Credit Card terms and conditions - effective to 23 November 2021

Kiwibank Credit Card terms and conditions - effective to 30 June 2021

Kiwibank Credit Card terms and conditions - effective to 6 May 2019

Kiwibank Credit Card terms and conditions - effective to 15 October 2018

Kiwibank Credit Card terms and conditions - effective to 3 July 2018

Kiwibank Credit Card terms and conditions - effective to 27 May 2015

Credit Cards Disclosure Statements

Credit Cards Disclosure Statement - effective from June 2015

Air New Zealand Airpoint Credit Cards

Welcome brochure - Low Fee Visa Visa - effective to 31 October 2022

Welcome brochure - Low Fee Visa and Standard Visa - effective to 23 November 2021

Welcome brochure - Low Fee Visa and Standard Visa - effective to 31 March 2021

Welcome brochure - Low Fee Mastercard and Standard Mastercard - effective to 1 August 2019

Welcome brochure - Platinum Visa - effective to 21 March 2024

Welcome brochure - Platinum Visa - effective to 14 December 2023

Welcome brochure - Platinum Visa - effective to 31 October 2022

Welcome brochure - Platinum Visa - effective to 23 November 2021

Welcome brochure - Platinum Visa - effective to 31 March 2021

Welcome brochure - Platinum Mastercard - effective to 1 August 2019

Home loans

Archived home loan documents

Kiwibank Home Loans

In addition to the General Terms & Conditions and Personal Banking and Business Banking Fees and Limits Brochures, the following archived home loan documents have also applied:

Home Loan Terms and Conditions - effective to 25 May 2023

Home Loan Terms and Conditions - effective to 24 August 2021

Home Loan Terms and Conditions - effective to 31 May 2021

Home Loan Terms and Conditions - effective to 17 December 2018

Home Loan Terms and Conditions - effective to June 2015

Sample - Kiwibank Home Loan Agreement - effective to 24 August 2021

Sample - Kainga Whenua Mangatawa Papamoa Kiwibank Home Loan Agreement - effective to 1 January 2021

Sample - Licence to Occupy Mangatawa Papamoa Kainga Whenua Loan - effective to 1 January 2021

Sample - Trust Deed Mangatawa Papamoa Kainga Whenua Loan - effective to 1 January 2021

Solicitor Instructions - General Information - Suitable for for Solicitor use - effective to 16 November 2023

AMP Home Loans

AMP Fees and Limits

Fees and Limits Brochure - effective to 26 July 2021, or the earlier date you migrated from AMP to Kiwibank

Fees and Limits Brochure – effective to 30 November 2020

Fees and Limits Brochure – effective to 27 October 2020

Fees and Limits Brochure – effective to 30 March 2020

Fees and Limits Brochure – effective to 8 December 2019

Fees and Limits Brochure – effective to 16 December 2018

Fees and Limits Brochure – effective to 30 September 2018

Fees and Limits Brochure – effective to 28 February 2018

Fees and Limits Brochure – effective to 31 March 2016

AMP General Terms and Conditions

General Terms and Conditions – effective to 26 July 2021, or the earlier date you migrated from AMP to Kiwibank

General Terms and Conditions – effective to 30 November 2020

General Terms and Conditions – effective to 29 February 2020

General Terms and Conditions – effective to 30 September 2019

General Terms and Conditions – effective to 30 June 2018

General Terms and Conditions – effective to 31 July 2016

AMP Home Loan Terms and Conditions

Home Loan Terms and Conditions – effective to 26 July 2021, or the earlier date you migrated from AMP to Kiwibank

Home Loan Terms and Conditions – effective to 16 December 2018

Home Loan Terms and Conditions – effective to 30 April 2016

Home Loan Terms and Conditions – effective to 31 May 2015

Investments

Archived investment documents

Investment Terms and Conditions

Investment Terms and Conditions - effective to 30 August 2021

Investment Terms and Conditions - effective to 30 November 2020

Investment Terms and Conditions - effective to 30 May 2020

Investment Terms and Conditions - effective to 28 February 2020

Kiwibank Term Deposit Terms and Conditions

Kiwibank Term Deposit Terms and Conditions - effective to 2 April 2024

Kiwibank Term Deposit Terms and Conditions - effective to 29 November 2022

Kiwibank Term Deposit Terms and Conditions - effective to 30 August 2021

Kiwibank Term Deposit Terms and Conditions - effective to 30 November 2020

Kiwibank Notice Saver Terms and Conditions

Kiwibank Notice Saver Terms and Conditions - effective to 25 May 2023

Kiwibank Notice Saver Terms and Conditions - effective to 29 November 2022

Kiwibank Notice Saver Terms and Conditions - effective to 23 August 2022

Kiwibank Notice Saver Terms and Conditions - effective to 30 August 2021

Kiwibank Notice Saver Terms and Conditions - effective to 30 November 2020

Kiwibank Notice Saver Terms and Conditions - effective to 30 May 2020

Kiwibank PIE Term Deposit Fund Terms and Conditions

Kiwibank PIE Term Deposit Fund Terms and Conditions - effective to 25 May 2023

Kiwibank PIE Term Deposit Fund Terms and Conditions - effective to 29 November 2022

Kiwibank PIE Term Deposit Fund Terms and Conditions - effective to 30 August 2021

Kiwibank PIE Term Deposit Fund Terms and Conditions - effective to 30 November 2020

Kiwibank PIE Term Deposit Fund Terms and Conditions - effective to 30 May 2020

Kiwibank PIE Term Deposit Fund Terms and Conditions - effective to 28 February 2020

Kiwibank PIE Online Call Fund Terms and Conditions

Kiwibank PIE Online Call Fund Terms and Conditions - effective to 29 November 2022

Kiwibank PIE Online Call Fund Terms and Conditions - effective to 23 August 2022

Kiwibank PIE Online Call Fund Terms and Conditions - effective to 30 August 2021

Kiwibank PIE Online Call Fund Terms and Conditions - effective to 30 November 2020

Kiwibank PIE Online Call Fund Terms and Conditions - effective to 30 May 2020

Kiwibank PIE Online Call Fund Terms and Conditions - effective to 28 February 2020

Kiwibank PIE Unit Trust Consolidated Trust Deed

Kiwibank PIE Unit Trust Consolidated Trust Deed - effective to 27 February 2023

Kiwibank PIE Unit Trust Consolidated Trust Deed - effective to 26 May 2021

Deed of Retirement and Appointment

Deed of Retirement and Appointment - effective to 26 May 2021

Overdrafts

Archived overdrafts documents

Overdraft Terms and Conditions

Overdraft Terms and Conditions - effective to 25 May 2023

Overdraft Terms and Conditions - effective to 31 December 2022

Overdraft Terms and Conditions - effective to 14 February 2022

Overdraft Terms and Conditions - effective to 31 January 2019

Overdraft Terms and Conditions - effective to 30 June 2018

Business lending

Business payments

Sustainability reports