Kiwibank's legal documents, including disclosure statements, investment statements, terms and conditions, fees and limits, insurance policy wordings and other key documents.

Annual reports and bank disclosures

Kiwibank Disclosure Statement

Disclosure Statement (PDF 2.1 MB) - June 2019

Previous disclosure statements are located in the legal documents archive.

Supplemental disclosures

Deed Poll Guarantee (PDF 1.0 MB)

Termination of Deed Poll Guarantee (PDF 194.4 KB)

The New Zealand Post Annual and Half Year Reports can be found at nzpost.co.nz.

Terms and conditions and other key documents

Home loans

Home Loan Terms and Conditions (PDF 163.0 KB)

Sample - Kiwibank Home Loan Agreement (PDF 496.4 KB)

Notice of Waiver of Mortgage Term (PDF 23.3 KB)

Terms and Conditions for New Zealand Home Loans and AMP can be found at nzhltools.co.nz and amptools.co.nz.

Air New Zealand Airpoint Credit Cards

The following are the current applicable terms and conditions for our Air New Zealand Airpoints Credit Cards. You can find the previous versions of some of these documents in our legal documents archive.

Welcome brochure - Low Fee Visa and Standard Visa (PDF 959.0 KB)

Welcome brochure - Platinum Visa (PDF 922.2 KB)

Welcome brochure - Low Fee Mastercard and Standard Mastercard (PDF 167.9 KB)

Welcome brochure - Platinum Mastercard (PDF 189.0 KB)

Credit Card terms and conditions (PDF 122.6 KB)

Personal Banking Fees and Limits (PDF 154.9 KB)

Credit Card Disclosure Statement (PDF 64.5 KB)

Travel Insurance for Kiwibank Credit Cards Policy (PDF 204.2 KB). For customers who were issued with their credit card from 19 September 2013

Credit Card Repayment Insurance Policy wording (PDF 231.3 KB)

Air New Zealand Airpoints Terms and Conditions can be found at airnewzealand.co.nz.

Air New Zealand Airpoints Monthly Prize Draw Terms and Conditions can be found at airnewzealand.co.nz.

Kiwibank Credit Cards

The following are the current applicable terms and conditions. You can find the previous versions of each document in our legal documents archive.

Credit Card terms and conditions (PDF 122.6 KB)

Personal Banking Fees and Limits (PDF 154.9 KB)

Business Banking Fees and Limits (PDF 126.4 KB)

General Terms and Conditions (PDF 180.3 KB)

Credit Card Disclosure Statement (PDF 64.5 KB)

Travel Insurance for Kiwibank Credit Cards policy wording (PDF 204.2 KB) - for customers who were issued with their credit card from 19 September 2013

Credit Card Repayment Insurance Policy wording (PDF 231.3 KB) - effective from 20 May 2019

Credit Card Repayment Insurance Policy (PDF 212.7 KB) - effective to 10 April 2011

Personal Loans and Overdrafts

The following are the current applicable terms and conditions. You can find the previous versions of each document here.

Personal Loan Terms and Conditions (PDF 157.2 KB)

Overdraft Terms and Conditions (PDF 111.1 KB)

New Zealand Post Guarantee

When Kiwibank was launched in 2002, a guarantee from the owner New Zealand Post was provided to give customers a level of assurance on the safety of their funds in the new bank.

On 31 October 2016 New Zealand Post provided notice to Kiwibank of the termination of the 2001 Deed Poll Guarantee, under which New Zealand Post guaranteed certain payment obligations of Kiwibank and Kiwibank’s subsidiaries. This notice of termination took effect on 28 February 2017.

Why was the guarantee withdrawn?

At the time of withdrawal, the bank had been operating for 14 years under the guarantee, and had developed substantial banking experience, including trading successfully through the Global Financial Crisis. The bank produced an after tax profit of $124 million for the year ended 30 June 2015 and paid dividends to its owner. This was strong evidence of the financial strength of the bank.

How does this affect my existing Kiwibank deposit?

Deposits in Kiwibank which were in place at the time the guarantee was terminated remain covered by the guarantee until they are withdrawn, renewed or otherwise reduced or repaid. Any new deposits made after the guarantee termination date don’t have the benefit of the guarantee. As part of this change, we updated the terms and conditions for PIE Online Call Fund, PIE Term Deposit Fund, PIE Notice Saver Fund and Kiwibank Term Deposits (PDF 354.1 KB).

Where can I find out more information?

Our General Disclosure Statement (PDF 2.1 MB) is updated each quarter and contains additional important information for investors.

Fees and limits

Kiwibank Fees and Limits

The following are the current applicable terms and conditions. You can find the previous versions of each document here.

Personal Banking Fees and Limits (PDF 154.9 KB)

Business Banking Fees and Limits (PDF 126.4 KB)

Investment statements

Product disclosure statements

Insurance policy wordings

Policy wordings for insurance distributed by Kiwibank

If your policy was issued before the effective date stated below, please refer to the policy wording that applies to you under the insurance section of our archived legal documents page.

Home Loan Insurance

Home Loan Insurance policy wording (PDF 1.5 MB). Effective from 7 August 2019

Life & Living Insurance

Life & Living Insurance Cover wording (PDF 215.9 KB). Effective from 9 July 2019

House, Car and Contents Insurance

Kiwi Insure House Insurance policy (PDF 910.2 KB). Effective from 5 April 2018

Kiwi Insure Car Insurance - Comprehensive policy (PDF 589.7 KB). Effective from 5 April 2018

Kiwi Insure Car Insurance - Third Party Fire and Theft Insurance policy (PDF 482.1 KB). Effective from 5 April 2018

Kiwi Insure Car Insurance - Third Party Only Insurance policy (PDF 531.5 KB). Effective from 5 April 2018

Kiwi Insure Contents Insurance policy (PDF 989.5 KB). Effective from 1 July 2019

Credit Card Repayment Insurance

Credit Card Repayment Insurance policy wording (PDF 231.3 KB). Effective from 20 May 2019

Travel Insurance

Travel Insurance for Kiwibank Credit Cards policy (PDF 204.2 KB)

Personal Loan Insurance

Personal Loan Repayment Protection Insurance Brochure (PDF 471.3 KB). Effective from 3 December 2018

Financial adviser disclosures