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.
Disclosure Statement (PDF 2.2 MB) - December 2020
Previous disclosure statements are located in the legal documents archive.
Kiwibank PIE Unit Trust Annual Report (PDF 1.6 MB) - June 2020
Kiwi Capital Funding Limited Annual Report and Financial Statements (PDF 807.2 KB) - June 2020
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.
Privacy Policy (PDF 99.2 KB)
You can find the previous versions of some of these documents in our legal documents archive.
Home Loan Terms and Conditions (PDF 208.2 KB)
Sample - Kiwibank Home Loan Agreement (PDF 479.7 KB)
Notice of Waiver of Mortgage Term (PDF 23.3 KB)
Memoranda of Mortgage (PDF 468.4 KB)
General Terms and Conditions for Personal and Business (PDF 249.0 KB)
Personal Banking Fees and Limits (PDF 170.0 KB)
Terms and conditions, interest rates and fees for NZHL and AMP home loans can be found on the NZHL Home Loans page and AMP Home Loans page.
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 1.2 MB)
Welcome brochure - Platinum Visa (PDF 1.8 MB)
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 182.0 KB)
Personal Banking Fees and Limits (PDF 170.0 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 Cover Wording (PDF 215.5 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.
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) - for all credit card customers who applied before 5 July 2021
Credit Card Terms and Conditions (PDF 182.0 KB) - for customers who applied after 5 July 2021. For personal credit card customers who applied before 5 July 2021 these terms are effective from 2 August 2021
Business Credit Card Terms and Conditions (PDF 196.0 KB) - for business credit card customers who applied after 5 July 2021. For business credit card customers who applied before 5 July 2021 these terms are effective from 2 August 2021
Personal Banking Fees and Limits (PDF 170.0 KB)
Business Banking Fees and Limits (PDF 142.8 KB)
General Terms and Conditions (PDF 249.0 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 Cover Wording (PDF 215.5 KB) - effective from 1 June 2021
Credit Card Repayment Insurance Policy (PDF 212.7 KB) - effective to 10 April 2011
Kiwibank Term Deposit Terms and Conditions (PDF 202.7 KB)
Kiwibank PIE Term Deposit Fund Terms and Conditions (PDF 193.0 KB)
Kiwibank PIE Online Call Fund Terms and Conditions (PDF 197.6 KB)
Kiwibank PIE Unit Trust Consolidated Trust Deed (PDF 6.2 MB)
Kiwibank Notice Saver Terms and Conditions (PDF 196.4 KB)
Investment Terms and Conditions (PDF 1.2 MB)
Deed of Retirement and Appointment (PDF 804.1 KB)
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 144.0 KB)
Overdraft Terms and Conditions (PDF 111.1 KB)
If you use Fetch Mobile payments, Web payments, Invoice payments and/or Recurring card payments, the following form your terms and conditions:
If you use Recurring direct debit payments, the following form your terms and conditions:
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.
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.
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 1.2 MB).
Our General Disclosure Statement (PDF 2.2 MB) is updated each quarter and contains additional important information for investors.
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 170.0 KB)
Business Banking Fees and Limits (PDF 142.8 KB)
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 for the Kiwi Wealth KiwiSaver Scheme
Product Disclosure Statement Interest Rate Transactions (PDF 128.3 KB)
Supplementary Product Disclosure Statement Interest Rate Transactions (PDF 126.3 KB)
Secondary Supplementary Product Disclosure Statement Interest Rate Transactions (PDF 112.1 KB)
Product Disclosure Statement Foreign Exchange Transactions (PDF 166.1 KB)
Supplementary Product Disclosure Statement Foreign Exchange Transactions (PDF 120.1 KB)
Secondary Supplementary Product Disclosure Statement Foreign Exchange Transactions (PDF 112.1 KB)
Limited Disclosure Document for Medium Term Note Programme (PDF 1.1 MB)
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 policy wording (PDF 1.5 MB). Effective from 7 August 2019
Life & Living Insurance Cover wording (PDF 215.9 KB). Effective from 9 July 2019
Kiwi Insure House Insurance policy (PDF 1004.7 KB). Effective from 5 April 2018
Kiwi Insure Car Insurance - Comprehensive policy (PDF 554.5 KB). Effective from 21 October 2019
Kiwi Insure Car Insurance - Third Party Fire and Theft Insurance policy (PDF 694.0 KB). Effective from 21 October 2019
Kiwi Insure Car Insurance - Third Party Only Insurance policy (PDF 703.1 KB). Effective from 21 October 2019
Kiwi Insure Contents Insurance policy (PDF 1.3 MB). Effective from 1 July 2019
Credit Card Repayment Insurance policy wording (PDF 215.5 KB). Effective from 1 June 2021
Travel Insurance for Kiwibank Credit Cards policy (PDF 204.2 KB)
Personal Loan Repayment Protection Insurance Brochure (PDF 387.2 KB). Effective from 15 March 2021