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An archive of Kiwibank's previous legal documents, disclosures, terms and conditions, fees and limits and other key documents.
Disclosure Statement (PDF 2.2 MB) - December 2020
Disclosure Statement (PDF 2.4 MB) - June 2020
Disclosure Statement (PDF 4.2 MB) - December 2019
Disclosure Statement (PDF 2.1 MB) - June 2019
Disclosure Statement (PDF 474.3 KB) - December 2018
Disclosure Statement (PDF 913.8 KB) - June 2018
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
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
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
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
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
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
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
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 (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
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 (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
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 (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
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 (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
Kiwibank PIE Unit Trust Annual Report (PDF 1.6 MB) - June 2020
Kiwibank PIE Unit Trust Annual Report (PDF 4.1 MB) - June 2019
Kiwibank PIE Unit Trust Annual Report (PDF 4.2 MB) - June 2018
Kiwibank PIE Unit Trust Annual Report (PDF 371.0 KB) - June 2017
Kiwi Capital Funding Limited Annual Report and Financial Statements (PDF 807.2 KB) - June 2020
Kiwi Capital Funding Limited Annual Report and Financial Statements (PDF 896.8 KB) - June 2019
Kiwi Capital Funding Limited Annual Report and Financial Statements (PDF 485.5 KB) - June 2018
Kiwi Capital Funding Limited Annual Report and Financial Statements (PDF 731.4 KB)- June 2017
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
Privacy Policy (PDF 99.2 KB) - effective to 24 August 2021
Personal Loan Terms and Conditions (PDF 157.2 KB) - effective to 14 March 2021
Personal Loan Terms and Conditions (PDF 154.5 KB) - effective to 27 July 2017
Overdraft Terms and Conditions (PDF 145.0 KB) - effective July 2018
Overdraft Terms and Conditions (PDF 111.0 KB) - effective June 2015
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 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
Credit Card Repayment Insurance Cover Wording (PDF 240.6 KB) - effective to 31 May 2021
Credit Card Repayment Insurance Policy (PDF 544.2 KB) - effective to 19 May 2019
Credit Card Repayment Insurance Policy (PDF 539.5 KB) - effective to 13 May 2018
Credit Card Repayment Insurance Policy (PDF 653.2 KB) - effective to 13 May 2015
Credit Card Repayment Insurance (PDF 212.7 KB) - effective to 10 April 2011
Kiwibank Home Loan Insurance Policy BR5156MAY18a (PDF 2.4 MB). Effective for policies issued between 14 May 2018 to 6 August 2019
Kiwibank Home Loan Insurance Policy BR5156MAY15a (PDF 2.4 MB). Effective for policies issued between 14 May 2015 and 13 May 2018
Kiwibank Home Loan Insurance Policy BR5156NOV12a (PDF 2.4 MB). Effective for policies issued between 15 November 2012 and 13 May 2015
Kiwibank Home Loan Insurance Policy BR5156JUL11a (PDF 1.6 MB). Effective for policies issued between 5 August 2011 and 14 November 2012
Kiwibank Home Loan Insurance Policy BR5156AUG19 (PDF 1.5 MB). Effective for policies issued between 7 August 2019 to 20 November 2019
Kiwibank Home Loan Insurance Policy BR5156MAY18 (PDF 1.0 MB). Effective for policies issued between 14 May 2018 to 6 August 2019
Kiwibank Home Loan Insurance Policy BR5156MAY15 (PDF 941.6 KB). Effective for policies issued between 14 May 2015 and 13 May 2018
Kiwibank Home Loan Insurance Policy BR5156NOV12 (PDF 1.1 MB). Effective for policies issued between 15 November 2012 and 13 May 2015
Kiwibank Home Loan Insurance Policy BR5156JUL11 (PDF 995.6 KB). Effective for policies issued between 5 August 2011 and 14 November 2012
Kiwibank Home Loan Insurance Policy BR5025AUG07 (PDF 99.2 KB). Effective for policies issued before 4 August 2011
Life & Living Continuation Insurance Cover wording BR5295JUN20 (PDF 1.7 MB) - effective for cover wording issues after 30 June 2020
Life & Living Insurance Cover wording BR5268MAY18a (PDF 299.4 KB) - effective for cover wording issued between 14 May 2018 and 8 July 2019
Life & Living Insurance Cover wording BR2568AUG16a (PDF 213.4 KB) - effective for cover wording issued between 17 August 2016 and 13 May 2018
Life & Living Insurance Cover wording BR5268MAY18 (PDF 274.8 KB) - effective for cover wording issued between 14 May 2018 and 8 July 2019
Life & Living Insurance Cover wording BR2568AUG16 (PDF 188.7 KB) - effective for cover wording issued between 17 August 2016 and 13 May 2018
Life & Living Insurance Policy BR2568MAY15 (PDF 178.1 KB) - effective for policies issued between 14 May 2015 and 16 August 2016
Life & Living Insurance fact sheet May15 (PDF 73.9 KB) - effective for policies issued between 24 October 2012 to 16 August 2016
Life & Living Insurance Policy BR2568NOV12 (PDF 263.5 KB) - effective for policies issued between 14 November 2012 and 13 May 2015
Life Insurance Policy wording CIG548 (PDF 677.1 KB) - effective for policies issued before 14 November 2012
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
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
Instant Insurance for Travel Policy (PDF 106.0 KB) - effective to 4 April 2018
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 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 Statement (PDF 53.7 KB) - effective from June 2015
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 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
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 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
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
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
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
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 (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 (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 (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 (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 (PDF 6.2 MB) - effective to 26 May 2021
Deed of Retirement and Appointment (PDF 804.1 KB) - effective to 26 May 2021