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

Kiwibank Disclosure Statement

Disclosure Statement (PDF 2.1 MB) - June 2023

Previous disclosure statements are located in the legal documents archive.

Reports

Annual reports

Kiwibank PIE Unit Trust Annual Report (PDF 903.1 KB) - June 2023

Kiwi Capital Funding Limited Annual Report and Financial Statements (PDF 549.1 KB) - June 2022

Sustainability report

Sustainability report (PDF 4.6 MB) - June 2023

Supplemental disclosures

Deed Poll Guarantee (PDF 1.0 MB)

Termination of Deed Poll Guarantee (PDF 194.4 KB)

Deed of Transfer in relation to Deed Poll Guarantee (PDF 545.5 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

You can find the previous versions of some of these documents in our legal documents archive.

Home Loan Terms and Conditions (PDF 271.7 KB)

Sample - Kiwibank Home Loan Summary (PDF 623.9 KB)

Sample Kāinga Whenua - Kiwibank Home Loan Summary - (Kāinga Ora) (PDF 652.7 KB)

Sample First Home Loan - Kiwibank Home Loan Summary - (Kāinga Ora) (PDF 626.8 KB)

Notice of Waiver of Mortgage Term (PDF 23.3 KB)

Memorandum of Mortgage (Mortgage Terms and Conditions) (PDF 266.6 KB)

General Terms and Conditions for Personal and Business (PDF 469.9 KB)

Personal Banking Fees and Limits (PDF 205.8 KB)

Registrable Memorandum of Mortgage (PDF 468.4 KB) - suitable for Solicitor use

Solicitor Instructions - General Information (PDF 209.3 KB) - suitable for Solicitor use

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.

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 (PDF 284.2 KB)

Welcome brochure - Platinum Visa (PDF 1.1 MB)

Credit Card terms and conditions (PDF 399.3 KB)

Personal Banking Fees and Limits (PDF 205.8 KB)

Credit Card Disclosure Statement (PDF 347.2 KB)

Travel Insurance for Kiwibank Credit Cards Policy (PDF 644.2 KB). 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 (PDF 399.3 KB)

Business Credit Card Terms and Conditions (PDF 319.1 KB)

Personal Banking Fees and Limits (PDF 205.8 KB)

Business Banking Fees and Limits (PDF 212.6 KB)

General Terms and Conditions (PDF 469.9 KB)

Credit Card Disclosure Statement (PDF 347.2 KB)

Travel Insurance for Kiwibank Credit Cards policy wording (PDF 644.2 KB) - 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.

Personal Loans and Overdrafts

For Personal Loan Terms and Conditions visit the Latitude website.

Overdraft Terms and Conditions (PDF 220.0 KB)

Crown Guarantee - formally 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 (PDF 205.8 KB)

Business Banking Fees and Limits (PDF 212.6 KB)

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 (PDF 430.8 KB)

Product Disclosure Statement Foreign Exchange Transactions (PDF 471.7 KB)

Limited Disclosure Document for Medium Term Note Programme (PDF 521.3 KB)

To download the Product Disclosure Statement for the Kiwi Wealth KiwiSaver Scheme issued by Kiwi Wealth Limited visit kiwiwealth.co.nz.

To download the Product Disclosure Statement for Kiwi Wealth Managed Funds issued by Kiwi Wealth Limited visit kiwiwealth.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, Home Loan Insurance and Personal Loan Insurance. For more information see our products we no longer offer page.

House, Car and Contents Insurance

House Insurance policy (PDF 886.4 KB). Effective from 27 May 2023

Comprehensive Car Insurance policy (PDF 785.6 KB). Effective from 21 October 2019

Third Party Fire and Theft Car Insurance policy (PDF 730.0 KB). Effective from 21 October 2019

Third Party Car Insurance policy (PDF 687.1 KB). Effective from 21 October 2019

Contents Insurance policy (PDF 885.9 KB). 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 (PDF 644.2 KB)

Financial advice provider statement