Standard contracts

Credit cards

Air New Zealand Airpoints Credit Cards

General Terms and Conditions for Personal and Business (PDF 196.5 KB)

Credit Card Terms and Conditions (PDF 122.6 KB)

Personal Banking Fees and Limits (PDF 154.9 KB)

All other Kiwibank Credit Cards

General Terms and Conditions for Personal and Business (PDF 196.5 KB)

Credit Card Terms and Conditions (PDF 122.6 KB)

Credit Card Disclosure Statement (PDF 64.5 KB)

Home loans

Memoranda of Mortgage (PDF 468.4 KB)

General Terms and Conditions for Personal and Business (PDF 196.5 KB)

Home Loan Terms and Conditions (PDF 163.0 KB)

Sample - Kiwibank Home Loan Agreement (PDF 496.4 KB)

Sample - Kainga Whenua Mangatawa Papamoa Kiwibank Home Loan Agreement (PDF 490.8 KB)

Sample - Licence to Occupy Mangatawa Papamoa Kainga Whenua Loan (PDF 718.8 KB)

Sample - Trust Deed Mangatawa Papamoa Kainga Whenua Loan (PDF 587.1 KB)

Personal Banking Fees and Limits (PDF 154.9 KB)

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

Personal loans

General Terms and Conditions for Personal and Business (PDF 196.5 KB)

Personal Loan Terms and Conditions (PDF 157.2 KB)

Personal Banking Fees and Limits (PDF 154.9 KB)