Kiwibank's legal documents, including disclosure statements, investment statements, terms and conditions, fees and limits, insurance policy wordings and other key documents. You can find previous versions of these documents on our legal document archive page.

Annual reports and bank disclosures

Terms and conditions and other key documents

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

Welcome brochure - Platinum Visa

Credit Card terms and conditions

Personal Banking Fees and Limits

Credit Card Disclosure Statement

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

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

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

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

Business Credit Card Terms and Conditions

Personal Banking Fees and Limits

Business Banking Fees and Limits

General Terms and Conditions

Credit Card Disclosure Statement

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

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

Crown Guarantee - formerly known as New Zealand Post Guarantee

When Kiwibank was launched in 2002, the owner, New Zealand Post (NZ Post), provided a guarantee of certain payment obligations of Kiwibank and Kiwibank’s subsidiaries. This was to give customers a level of assurance on the safety of their funds in the new bank.

Transfer of the guarantee from New Zealand Post to the Crown

From 30 November 2022, NZ Post’s obligations under the guarantee as at that date have been assigned and transferred from NZ Post to The Sovereign in right of New Zealand, acting by and through the Minister of Finance (the Crown). On and from 30 November 2022, NZ Post’s obligations under the guarantee became obligations of the Crown, rather than NZ Post.

Background

On 31 October 2016, NZ Post provided notice to Kiwibank of the termination of the guarantee. The notice of termination took effect on 28 February 2017. At the time of withdrawal, Kiwibank 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 for $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 on 28 February 2017 remain covered by the Crown 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.

Where can I find out more information?

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

Business Banking Fees and Limits

Investment statements

Product disclosure statements

Product disclosure statements for financial products distributed by Kiwibank

Set out below are copies of the product disclosure statements for financial products distributed by Kiwibank that have been lodged on the Disclose Register.

Product Disclosure Statement Interest Rate Transactions

Product Disclosure Statement Foreign Exchange Transactions

Limited Disclosure Document for Medium Term Note Programme

To download the Product Disclosure Statement for the Fisher Funds KiwiSaver Plan issued by Fisher Funds Wealth Limited visit fisherfunds.co.nz.

To download the Product Disclosure Statement for Fisher Funds Managed Funds issued by Fisher Funds Management Limited visit fisherfunds.co.nz.

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.

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

House, Car and Contents Insurance

House Insurance policy. Effective from 27 May 2023

Comprehensive Car Insurance policy. Effective from 21 October 2019

Third Party Fire and Theft Car Insurance policy. Effective from 21 October 2019

Third Party Car Insurance policy. Effective from 21 October 2019

Contents Insurance policy. Effective from 1 July 2019

Life & Living Insurance

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

Travel Insurance

Travel Insurance for Kiwibank Credit Cards policy

Financial advice provider statement