Annual reports and bank disclosures
2024
Disclosure Statement - June 2024
2023
Disclosure Statement - December 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
Annual reports
Kiwibank PIE Unit Trust Annual Report - June 2023
Kiwibank PIE Unit Trust Annual Report - June 2022
Kiwibank PIE Unit Trust Annual Report - June 2021
Kiwibank PIE Unit Trust Annual Report - June 2020
Kiwibank PIE Unit Trust Annual Report - June 2019
Kiwibank PIE Unit Trust Annual Report - June 2018
Kiwibank PIE Unit Trust Annual Report - June 2017
Kiwi Capital Funding Limited Annual Report and Financial Statements - June 2022
Kiwi Capital Funding Limited Annual Report and Financial Statements - June 2021
Kiwi Capital Funding Limited Annual Report and Financial Statements - June 2020
Kiwi Capital Funding Limited Annual Report and Financial Statements - June 2019
Kiwi Capital Funding Limited Annual Report and Financial Statements - June 2018
Kiwi Capital Funding Limited Annual Report and Financial Statements - June 2017
Terms and conditions
General Terms and Conditions - effective to 2 May 2024
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
Privacy Policy - effective to 27 November 2024
Privacy Policy - effective to 24 August 2021
Fees and limits
Personal Banking
Personal Banking Fees and Limits - effective to 26 May 2025
Personal Banking Fees and Limits - effective to 4 May 2025
Personal Banking Fees and Limits - effective to 26 November 2024
Personal Banking Fees and Limits - effective to 31 October 2024
Personal Banking Fees and Limits - effective to 29 September 2024
Personal Banking Fees and Limits - effective to 18 June 2024
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 30 June 2025
Business Banking Fees and Limits - effective to 31 March 2025
Business Banking Fees and Limits - effective to 29 September 2024
Business Banking Fees and Limits - effective to 18 June 2024
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
We no longer offer House, Contents and Car Insurance administered by Ando, Credit Card Repayment Insurance provided by Chubb Life or nib, or Home Loan Insurance provided by nib. 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 30 September 2024
Comprehensive Car Insurance policy - effective to 30 September 2024
Third Party Fire and Theft Car Insurance policy - effective to 30 September 2024
Third Party Car Insurance policy - effective to 30 September 2024
Contents Insurance policy - effective to 30 September 2024
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
Credit cards
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:
Personal 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
Business Credit Cards Terms and Conditions
Business Credit Card terms and conditions - effective to 21 October 2024
Credit Cards Disclosure Statements
Credit Cards Disclosure Statement - effective to 26 May 2026
Credit Cards Disclosure Statement - effective to July 2018
Air New Zealand Airpoint Credit Cards
We no longer offer Air New Zealand Airpoints credit cards, Air New Zealand Airpoints™ Platinum Visa, Air New Zealand Airpoints™ Low Fee Visa, Air New Zealand Airpoints™ Standard Visa or Credit Card Repayment Insurance.
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
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:
Guarantee Terms and Conditions - effective to 6 October 2024
Home Loan Terms and Conditions - effective to 4 May 2025
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 Summary - effective to 4 May 2025
Sample First Home Loan - Kiwibank Home Loan Summary - (Kainga Ora) - effective to 4 May 2025
Sample - Kiwibank Home Loan Agreement - effective to 24 August 2021
Sample Kainga Whenua - Kiwibank Home Loan Summary - (Kainga Ora) - effective to 4 May 2025
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 Solicitor use - effective to 6 October 2024
Solicitor Instructions - General Information - suitable for Solicitor use - effective to 16 November 2023
Waiver of term of mortgage - effective to 4 May 2025
Waiver of Term of Mortgage - effective to 6 October 2024
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
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
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
In addition to the General Terms & Conditions and Personal Banking and Business Banking Fees and Limits Brochures, the following archived business banking documents have also applied:
Lending Terms and Conditions for Business Banking - effective to 6 October 2024
Lending Terms and Conditions for Business Banking - effective to 25 May 2023
Lending Terms and Conditions for Business and Rural Banking - effective to 15 August 2022
Solicitor Instructions - General Information - suitable for Solicitor use - effective to 6 October 2024
Asset Finance Terms and Conditions - effective to 25 May 2025