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

2022

Disclosure Statement (PDF 1.3 MB) - December 2022

Disclosure Statement (PDF 2.1 MB) - June 2022

2021

Disclosure Statement (PDF 1.0 MB) - December 2021

Disclosure Statement (PDF 3.8 MB) - June 2021

2020

Disclosure Statement (PDF 2.2 MB) - December 2020

Disclosure Statement (PDF 2.4 MB) - June 2020

2019

Disclosure Statement (PDF 4.2 MB) - December 2019

Disclosure Statement (PDF 2.1 MB) - June 2019

2018

Disclosure Statement (PDF 474.3 KB) - December 2018

Disclosure Statement (PDF 913.8 KB) - June 2018

2017

Disclosure Statement (PDF 331.0 KB) - December 2017

Disclosure Statement (PDF 263.2 KB) - September 2017

Disclosure Statement (PDF 1.2 MB) - June 2017

Disclosure Statement (PDF 991.5 KB) - March 2017

2016

Disclosure Statement (PDF 326.7 KB) - December 2016

Disclosure Statement (PDF 147.0 KB) - September 2016

Disclosure Statement (PDF 660.5 KB) - June 2016

Disclosure Statement (PDF 183.3 KB) - March 2016

2015

Disclosure Statement (PDF 281.0 KB) - December 2015

Disclosure Statement (PDF 141.7 KB) - September 2015

Disclosure Statement (PDF 1.4 MB) - June 2015

Disclosure Statement (PDF 148.4 KB) - March 2015

2014

Disclosure Statement (PDF 264.0 KB) - December 2014

Disclosure Statement (PDF 164.0 KB) - September 2014

Disclosure Statement (PDF 586.4 KB) - June 2014

Disclosure Statement (PDF 181.2 KB) - March 2014

2013

Disclosure Statement (PDF 313.7 KB) - December 2013

Disclosure Statement (PDF 171.3 KB) - September 2013

Disclosure Statement (PDF 538.7 KB) - June 2013

Disclosure Statement (PDF 160.9 KB) - March 2013

2012

Disclosure Statement (PDF 1.8 MB) - December 2012

Disclosure Statement (PDF 166.8 KB) - September 2012

Disclosure Statement (PDF 1.4 MB) - June 2012

Disclosure Statement (PDF 166.2 KB) - March 2012

2011

Disclosure Statement (PDF 1.6 MB) - December 2011

Disclosure Statement (PDF 951.2 KB) - September 2011

Disclosure Statement (PDF 1.3 MB) - June 2011

Disclosure Statement (PDF 955.7 KB) - March 2011

2010

Disclosure Statements

Disclosure Statement (PDF 1.4 MB) - December 2010

Disclosure Statement (PDF 1003.0 KB) - September 2010

Disclosure Statement (PDF 1.3 MB) - June 2010

Disclosure Statement (PDF 1.4 MB) - March 2010

Key Information Summary

Key Information Summary (PDF 113.6 KB) - December 2010

Key Information Summary (PDF 130.0 KB) - September 2010

Key Information Summary (PDF 85.6 KB) - June 2010

Key Information Summary (PDF 94.7 KB) - March 2010

2009

Disclosure Statements

Disclosure Statement (PDF 1.6 MB) - December 2009

Disclosure Statement (PDF 1.0 MB) - September 2009

Disclosure Statement (PDF 1.6 MB) - June 2009

Disclosure Statement (PDF 1002.4 KB) - March 2009

Key Information Summary

Key Information Summary (PDF 120.0 KB) - December 2009

Key Information Summary (PDF 136.5 KB) - September 2009

Key Information Summary (PDF 125.2 KB) - June 2009

Key Information Summary (PDF 102.3 KB) - March 2009

2008

Disclosure Statements

Disclosure Statement (PDF 1.7 MB) - December 2008

Disclosure Statement (PDF 1.4 MB) - September 2008

Disclosure Statement (PDF 1.2 MB) - June 2008

Disclosure Statement (PDF 1018.2 KB) - March 2008

Key Information Summary

Key Information Summary (PDF 127.1 KB) - December 2008

Key Information Summary (PDF 200.1 KB) - September 2008

Key Information Summary (PDF 153.2 KB) - June 2008

Key Information Summary (PDF 1.3 MB) - March 2008

2007

Disclosure Statements

Disclosure Statement (PDF 8.0 MB) - December 2007

Disclosure Statement (PDF 371.0 KB) - September 2007

Disclosure Statement (PDF 1.0 MB) - June 2007

Disclosure Statement (PDF 878.1 KB) - March 2007

Key Information Summary

Key Information Summary (PDF 1.6 MB) - December 2007

Key Information Summary (PDF 176.1 KB) - September 2007

Key Information Summary (PDF 105.2 KB) - June 2007

Key Information Summary (PDF 88.1 KB) - March 2007

Terms and conditions

Archived Kiwibank General Terms and Conditions

General Terms and Conditions (PDF 421.4 KB) - effective to 25 May 2023

General Terms and Conditions (PDF 430.4 KB) - effective to 15 February 2023

General Terms and Conditions (PDF 346.5 KB) - effective to 30 November 2022

General Terms and Conditions (PDF 361.7 KB) - effective to 19 August 2022

General Terms and Conditions (PDF 249.0 KB) - effective to 28 April 2022

General Terms and Conditions (PDF 200.5 KB) - effective to 30 November 2020

General Terms and Conditions (PDF 196.5 KB) - effective to 30 March 2020

General Terms and Conditions (PDF 180.3 KB) - effective to 29 September 2019

General Terms and Conditions (PDF 281.0 KB) - effective to 28 March 2019

General Terms and Conditions (PDF 279.7 KB) - effective to 31 May 2018

General Terms and Conditions (PDF 688.1 KB) - effective to 24 August 2017

General Terms and Conditions (PDF 179.6 KB) - effective to 29 August 2016

General Terms and Conditions (PDF 182.8 KB) - effective to 17 Februrary 2016

General Terms and Conditions (PDF 160.3 KB) - effective to 28 April 2015

Archived Kiwibank Privacy Policy

Privacy Policy (PDF 99.2 KB) - effective to 24 August 2021

Fees and limits

Archived fees and limits brochures

Personal Banking

Personal Banking Fees and Limits (PDF 205.8 KB) - effective to 28 November 2023

Personal Banking Fees and Limits (PDF 211.0 KB) - effective to 19 November 2023

Personal Banking Fees and Limits (PDF 208.0 KB) - effective to 31 October 2023

Personal Banking Fees and Limits (PDF 248.4 KB) - effective to 31 May 2023

Personal Banking Fees and Limits (PDF 243.9 KB) - effective to 5 March 2023

Personal Banking Fees and Limits (PDF 219.1 KB) - effective to 30 November 2022

Personal Banking Fees and Limits (PDF 239.8 KB) - effective to 31 October 2022

Personal Banking Fees and Limits (PDF 246.0 KB) - effective to 26 October 2022

Personal Banking Fees and Limits (PDF 294.7 KB) - effective to 23 August 2022

Personal Banking Fees and Limits (PDF 246.5 KB) - effective to 17 July 2022

Personal Banking Fees and Limits (PDF 148.4 KB) - effective to 12 June 2022

Personal Banking Fees and Limits (PDF 167.0 KB) - effective to 28 April 2022

Personal Banking Fees and Limits (PDF 181.2 KB) - effective to 10 February 2022

Personal Banking Fees and Limits (PDF 163.2 KB) - effective to 23 November 2021

Personal Banking Fees and Limits (PDF 170.0 KB) - effective to 24 August 2021

Personal Banking Fees and Limits (PDF 191.9 KB) - effective to 4 July 2021

Personal Banking Fees and Limits (PDF 147.1 KB) - effective to 24 March 2021

Personal Banking Fees and Limits (PDF 143.1 KB) - effective to 31 January 2021

Personal Banking Fees and Limits (PDF 129.3 KB) - effective to 30 November 2020

Personal Banking Fees and Limits (PDF 129.5 KB) - effective to 27 October 2020

Personal Banking Fees and Limits (PDF 160.9 KB) - effective to 30 March 2020

Personal Banking Fees and Limits (PDF 154.9 KB) - effective to 8 December 2019

Personal Banking Fees and Limits (PDF 142.2 KB) - effective to 30 June 2019

Personal Banking Fees and Limits (PDF 142.1 KB) - effective to 28 March 2019

Personal Banking Fees and Limits (PDF 143.4 KB) - effective to 31 January 2019

Personal Banking Fees and Limits (PDF 196.4 KB) - effective to 17 December 2018

Personal Banking Fees and Limits (PDF 170.8 KB) - effective to 14 October 2018

Personal Banking Fees and Limits (PDF 170.9 KB) - effective to 14 April 2018

Personal Banking Fees and Limits (PDF 165.1 KB) - effective to 28 February 2018

Personal Banking Fees and Limits (PDF 177.3 KB) - effective to 31 January 2018

Personal Banking Fees and Limits (PDF 177.5 KB) - effective to 14 December 2017

Personal Banking Fees and Limits (PDF 177.7 KB) - effective to 8 October 2017

Personal Banking Fees and Limits (PDF 188.1 KB) - effective to 9 November 2016

Personal Banking Fees and Limits (PDF 153.0 KB) - effective to 26 July 2016

Personal Banking Fees and Limits (PDF 154.6 KB) - effective to 31 March 2016

Business Banking

Business Banking Fees and Limits (PDF 212.6 KB) - effective to 28 November 2023

Business Banking Fees and Limits (PDF 174.3 KB) - effective to 19 November 2023

Business Banking Fees and Limits (PDF 197.6 KB) - effective to 31 October 2023

Business Banking Fees and Limits (PDF 205.2 KB) - effective to 31 May 2023

Business Banking Fees and Limits (PDF 223.6 KB) - effective to 30 May 2023

Business Banking Fees and Limits (PDF 223.9 KB) - effective to 30 November 2022

Business Banking Fees and Limits (PDF 202.2 KB) - effective to 26 October 2022

Business Banking Fees and Limits (PDF 203.4 KB) - effective to 23 August 2022

Business Banking Fees and Limits (PDF 154.7 KB) - effective to 28 April 2022

Business Banking Fees and Limits (PDF 142.8 KB) - effective to 9 January 2022

Business Banking Fees and Limits (PDF 128.3 KB) - effective to 4 July 2021

Business Banking Fees and Limits (PDF 117.0 KB) - effective to 30 November 2020

Business Banking Fees and Limits (PDF 117.4 KB) - effective to 27 October 2020

Business Banking Fees and Limits (PDF 117.3 KB) - effective to 30 March 2020

Business Banking Fees and Limits (PDF 126.4 KB) - effective to 8 December 2019

Business Banking Fees and Limits (PDF 126.3 KB) - effective to 30 June 2019

Business Banking Fees and Limits (PDF 831.6 KB) - effective to 28 March 2019

Business Banking Fees and Limits (PDF 831.6 KB) - effective to 14 April 2018

Business Banking Fees and Limits (PDF 831.8 KB) - effective to 28 February 2018

Business Banking Fees and Limits (PDF 831.6 KB) - effective to 14 December 2017

Business Banking Fees and Limits (PDF 1.0 MB) - effective to 9 November 2016

Business Banking Fees and Limits (PDF 1.0 MB) - effective to 31 March 2016

Insurance

Archived insurance documents

We no longer offer Credit Card Repayment Insurance, Home Loan Insurance and Personal 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.

Personal Loan Insurance

Personal Loan Repayment Protection Insurance Brochure (PDF 397.9 KB) - effective to 14 March 2021

Personal Loan Repayment Protection Insurance Brochure (PDF 471.3 KB) - effective to 20 August 2020

Personal Loan Repayment Protection Insurance Brochure (PDF 322.2 KB) - effective to 2 December 2018

Personal Loan Repayment Protection Insurance Brochure (PDF 580.1 KB) - effective to 31 August 2017

Personal Loan Insurance Policy wording (PDF 148.4 KB) - effective to 6 June 2015

House, Contents and Vehicle Insurance

House Insurance policy (PDF 970.7 KB) - effective to 26 May 2023

Kiwi Insure House Insurance policy (PDF 910.2 KB) - effective to 4 October 2020

Kiwi Insure Car Comprehensive Insurance policy (PDF 519.5 KB) - effective to 4 October 2020

Kiwi Insure Car Third Party, Fire and Theft Insurance policy (PDF 513.5 KB) - effective to 4 October 2020

Kiwi Insure Car Third Party Only Insurance policy (PDF 484.4 KB) - effective to 4 October 2020

Kiwi Insure Contents Insurance policy (PDF 989.5 KB) - effective to 4 October 2020

Tower House Insurance Landlord's Plus Cover (PDF 1.1 MB) - effective to 4 April 2018

Tower House Insurance Plus Cover (PDF 1.1 MB) - effective to 4 April 2018

Tower Contents Insurance Standard Cover (PDF 1.8 MB) - effective to 4 April 2018

Tower Contents Insurance Plus Cover (PDF 1.2 MB) - effective to 4 April 2018

Tower Car Insurance Comprehensive Cover (PDF 1.0 MB) - effective to 4 April 2018

Tower Car Insurance Third Party, Fire and Theft Cover (PDF 1019.4 KB) - effective to 4 April 2018

Tower Car Insurance Third Party Only Cover (PDF 1.0 MB) - effective to 4 April 2018

Travel Insurance

Travel Insurance for Kiwibank Credit Cards policy (PDF 297.3 KB) - effective to 2 June 2022

Instant Insurance for Travel Policy (PDF 106.0 KB) - 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 (PDF 360.7 KB) - effective to 31 October 2022

Kiwibank Credit Card terms and conditions (PDF 182.0 KB) - effective to 23 November 2021

Kiwibank Credit Card terms and conditions (PDF 122.6 KB) - effective to 30 June 2021

Kiwibank Credit Card terms and conditions (PDF 170.5 KB) - effective to 6 May 2019

Kiwibank Credit Card terms and conditions (PDF 154.2 KB) - effective to 15 October 2018

Kiwibank Credit Card terms and conditions (PDF 806.5 KB) - effective to 3 July 2018

Kiwibank Credit Card terms and conditions (PDF 138.9 KB) - effective to 27 May 2015

Credit Cards Disclosure Statements

Credit Cards Disclosure Statement (PDF 53.7 KB) - effective from June 2015

Air New Zealand Airpoint Credit Cards

Welcome brochure - Low Fee Visa Visa (PDF 7.0 MB) - effective to 31 October 2022

Welcome brochure - Low Fee Visa and Standard Visa (PDF 1.2 MB) - effective to 23 November 2021

Welcome brochure - Low Fee Visa and Standard Visa (PDF 959.0 KB) - effective to 31 March 2021

Welcome brochure - Low Fee Mastercard and Standard Mastercard (PDF 167.9 KB) - effective to 1 August 2019

Welcome brochure - Platinum Visa (PDF 8.0 MB) - effective to 31 October 2022

Welcome brochure - Platinum Visa (PDF 1.8 MB) - effective to 23 November 2021

Welcome brochure - Platinum Visa (PDF 922.2 KB) - effective to 31 March 2021

Welcome brochure - Platinum Mastercard (PDF 189.0 KB) - 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 (PDF 280.1 KB) - effective to 25 May 2023

Home Loan Terms and Conditions (PDF 208.2 KB) - effective to 24 August 2021

Home Loan Terms and Conditions (PDF 163.0 KB) - effective to 31 May 2021

Home Loan Terms and Conditions (PDF 183.1 KB) - effective to 17 December 2018

Home Loan Terms and Conditions (PDF 168.7 KB) - effective to June 2015

Sample - Kiwibank Home Loan Agreement (PDF 479.7 KB) - effective to 24 August 2021

Sample - Kainga Whenua Mangatawa Papamoa Kiwibank Home Loan Agreement (PDF 490.8 KB) - effective to 1 January 2021

Sample - Licence to Occupy Mangatawa Papamoa Kainga Whenua Loan (PDF 718.8 KB) - effective to 1 January 2021

Sample - Trust Deed Mangatawa Papamoa Kainga Whenua Loan (PDF 587.1 KB) - effective to 1 January 2021

Solicitor Instructions - General Information (PDF 219.3 KB) - Suitable for for Solicitor use - effective to 16 November 2023

AMP Home Loans

AMP Fees and Limits

Fees and Limits Brochure (PDF 1.6 MB) - effective to 26 July 2021, or the earlier date you migrated from AMP to Kiwibank

Fees and Limits Brochure (PDF 308.5 KB) – effective to 30 November 2020

Fees and Limits Brochure (PDF 308.7 KB) – effective to 27 October 2020

Fees and Limits Brochure (PDF 424.7 KB) – effective to 30 March 2020

Fees and Limits Brochure (PDF 237.4 KB) – effective to 8 December 2019

Fees and Limits Brochure (PDF 186.9 KB) – effective to 16 December 2018

Fees and Limits Brochure (PDF 184.0 KB) – effective to 30 September 2018

Fees and Limits Brochure (PDF 179.9 KB) – effective to 28 February 2018

Fees and Limits Brochure (PDF 164.3 KB) – effective to 31 March 2016

AMP General Terms and Conditions

General Terms and Conditions (PDF 300.2 KB) – effective to 26 July 2021, or the earlier date you migrated from AMP to Kiwibank

General Terms and Conditions (PDF 300.1 KB) – effective to 30 November 2020

General Terms and Conditions (PDF 136.6 KB) – effective to 29 February 2020

General Terms and Conditions (PDF 162.2 KB) – effective to 30 September 2019

General Terms and Conditions (PDF 138.5 KB) – effective to 30 June 2018

General Terms and Conditions (PDF 106.2 KB) – effective to 31 July 2016

AMP Home Loan Terms and Conditions

Home Loan Terms and Conditions (PDF 169.3 KB) – effective to 26 July 2021, or the earlier date you migrated from AMP to Kiwibank

Home Loan Terms and Conditions (PDF 371.4 KB) – effective to 16 December 2018

Home Loan Terms and Conditions (PDF 102.0 KB) – effective to 30 April 2016

Home Loan Terms and Conditions (PDF 96.8 KB) – effective to 31 May 2015

Investments

Archived investment documents

Investment Terms and Conditions

Investment Terms and Conditions (PDF 1.2 MB) - effective to 30 August 2021

Investment Terms and Conditions (PDF 1.2 MB) - effective to 30 November 2020

Investment Terms and Conditions (PDF 1.3 MB) - effective to 30 May 2020

Investment Terms and Conditions (PDF 354.1 KB) - effective to 28 February 2020

Kiwibank Term Deposit Terms and Conditions

Kiwibank Term Deposit Terms and Conditions (PDF 158.7 KB) - effective to 29 November 2022

Kiwibank Term Deposit Terms and Conditions (PDF 202.7 KB) - effective to 30 August 2021

Kiwibank Term Deposit Terms and Conditions (PDF 40.1 KB) - effective to 30 November 2020

Kiwibank Notice Saver Terms and Conditions

Kiwibank Notice Saver Terms and Conditions (PDF 209.6 KB) - effective to 25 May 2023

Kiwibank Notice Saver Terms and Conditions (PDF 187.9 KB) - effective to 29 November 2022

Kiwibank Notice Saver Terms and Conditions (PDF 196.3 KB) - effective to 23 August 2022

Kiwibank Notice Saver Terms and Conditions (PDF 196.4 KB) - effective to 30 August 2021

Kiwibank Notice Saver Terms and Conditions (PDF 97.0 KB) - effective to 30 November 2020

Kiwibank Notice Saver Terms and Conditions (PDF 52.0 KB) - effective to 30 May 2020

Kiwibank PIE Term Deposit Fund Terms and Conditions

Kiwibank PIE Term Deposit Fund Terms and Conditions (PDF 199.4 KB) - effective to 25 May 2023

Kiwibank PIE Term Deposit Fund Terms and Conditions (PDF 184.2 KB) - effective to 29 November 2022

Kiwibank PIE Term Deposit Fund Terms and Conditions (PDF 193.0 KB) - effective to 30 August 2021

Kiwibank PIE Term Deposit Fund Terms and Conditions (PDF 93.8 KB) - effective to 30 November 2020

Kiwibank PIE Term Deposit Fund Terms and Conditions (PDF 92.4 KB) - effective to 30 May 2020

Kiwibank PIE Term Deposit Fund Terms and Conditions (PDF 51.1 KB) - effective to 28 February 2020

Kiwibank PIE Online Call Fund Terms and Conditions

Kiwibank PIE Online Call Fund Terms and Conditions (PDF 176.6 KB) - effective to 29 November 2022

Kiwibank PIE Online Call Fund Terms and Conditions (PDF 181.6 KB) - effective to 23 August 2022

Kiwibank PIE Online Call Fund Terms and Conditions (PDF 197.6 KB) - effective to 30 August 2021

Kiwibank PIE Online Call Fund Terms and Conditions (PDF 87.2 KB) - effective to 30 November 2020

Kiwibank PIE Online Call Fund Terms and Conditions (PDF 87.1 KB) - effective to 30 May 2020

Kiwibank PIE Online Call Fund Terms and Conditions (PDF 49.4 KB) - effective to 28 February 2020

Kiwibank PIE Unit Trust Consolidated Trust Deed

Kiwibank PIE Unit Trust Consolidated Trust Deed (PDF 1.0 MB) - effective to 27 February 2023

Kiwibank PIE Unit Trust Consolidated Trust Deed (PDF 6.2 MB) - effective to 26 May 2021

Deed of Retirement and Appointment

Deed of Retirement and Appointment (PDF 804.1 KB) - effective to 26 May 2021

Personal loans and Overdrafts

Archived personal loans and overdrafts documents

Personal Loan Terms and Conditions

If you're looking for a previous version of the Personal Loan Terms and Conditions call Latitude on 0800 549 454

Overdraft Terms and Conditions

Overdraft Terms and Conditions (PDF 221.0 KB) - effective to 25 May 2023

Overdraft Terms and Conditions (PDF 208.5 KB) - effective to 31 December 2022

Overdraft Terms and Conditions (PDF 111.1 KB) - effective to 14 February 2022

Overdraft Terms and Conditions (PDF 145.0 KB) - effective to 31 January 2019

Overdraft Terms and Conditions (PDF 111.0 KB) - effective to 30 June 2018

Business lending

Archived business lending documents

Lending Terms and Conditions

Lending Terms and Conditions for Business Banking (PDF 302.2 KB) - effective to 25 May 2023

Lending Terms and Conditions for Business and Rural Banking (PDF 269.5 KB) - effective to 15 August 2022

Business payments

Sustainability reports